How long it appear on M2U since your application date?

Mine takes about 3-4 weeks

I see. So if compare to applying over the desk, will it be easier to approve?

Actually what supporting documents really need? I mean as from the website, they need Copy of NRIC, Latest 3 months' salary slips, Latest 6 months' savings account activity/current account statements but when I upload documents the note there mention need only latest one month salary slips and copy of NRIC. Will it be the reason they reject me because of insufficient document given?

This post has been edited by jay2you: Apr 19 2017, 11:50 AM

I always give them 3months payslip, income tax receipt and that will be sufficient

if you have a good payment record and CCRIS rating is good, every bank welcomes you.

My CTOS is around 550-600 at the moment. Shouldn't be a problem... right.

no difference over the desk or online, cause in the end, the applications reached the same credit card review dept for approval.

No one would know what is the exact reason(s) for the rejection. I also applied online with just IC copy and 1 month salary slip and they approved, probably because I've already have another card with them before.

If you are really really really serious about getting their cards, can approach their branch and pledge FD to be locked in for the equivalent amount of Credit Limit of the card. That's a good chance to get the card.

It's not a chance.

It's a surety unless the person got blacklisted by banks before.

isn't that a 'chance'?

550-600 is pretty below Average, no? Mine is 750+

Hi, do you mind tell me how did you check your CTOS rating?

I treid to use the CTOS app to check but I have to supply a lot of personal infor to them. I did not continue.

You need to pay for the report.

The score comes with the report.

I thought 700 is the max?

i think is below average

I owe the bank half mil from 6 props. A bit worry my CTOS fail. >.<
I didn't even to declare the rental income to banks. LOLOL

I owe the bank 1 million for 1 property.

And I don't even have rental income.

So don't worry la, just submit. All this ccris / ctos score is just a number.

Did you all scan your IC to register for the CTOS account? I don't feel fine giving them a copy of my IC though..

I just registered mine, i guess CTOS won't simply use it ba.

me also within this range.
due to 12 months ago missed payment of PTPTN..

But i still get Standard Chartered & Public Bank approval.
but Citibank & CIMB rejected.

Where to get CCRIS and CTOS report? Is it free?