Not really sure about your question

So you have done for instalment plan at SenHeng for 0% with cimb cc

And now you call bank to cancel the inslament plan or ?

yes... and i call the bank to do full settlement. but they refused and ask me to pay monthly as usual

just terminated my HLB wise card,

any rebate card without AF ? pls advice

Plenty. Use this thread for recommendation: https://forum.lowyat.net/topic/4161836

besides earn more, any other method to clear off cc debts?

This post has been edited by eligible: Oct 7 2017, 10:58 AM

1. can i use balance transfer to clear off a card's outstanding debt without being charge financial charges?
2. how to make balance transfer? from company cc to another company cc?

yes, refer to https://forum.lowyat.net/topic/3918057

Hi guys, my situation here is i have (tertunggak) PTPTN loan about 3.5k. I've been paying good for 1 year now and after i got promoted i already auto debit 100 more per month than i should pay.
My annual income is 48k.
If i apply credit card, will it be rejected? Since got tertunggak.

Have you paid the full outstanding amount?

In my case, previously I had some outstanding as well. I cleared all outstanding amount and paid the monthly payment accordingly. After more than 6 months, I applied for CIMB cc and it was approved. From there, I applied for Maybank and got it approved as well.

Before applying for the cc, I checked my CCRIS report to ensure that I no longer had any outstanding / overdue payment with any financial institution.

Regardless, a clean record still doesn't guarantee that you application will be approved.

I believe you should give it a try.

Not yet. Only can afford monthly payment for now. Have to wait end year bonus. Hmm so i need to clear outstanding then apply.

No need la. I have cleared tertunggak and pay on monthly basis. Cards all started to approve since July. Cleared my tertunggak in October last year. I still have 50k to clear off all outstanding.

Tertunggak is due to non-prompt payment earlier. Last time I paid one lump sum and stopped paying for a while. Now no more as I pay consistently every month. My mortgage loan and 3 banks approved me since July.

I checked my CCRIS in April already cleared.

This post has been edited by fruitie: Oct 8 2017, 02:20 PM

So u can start applying PBB now

PBB seems dangerous for me. I will wait for a while.
I will definitely apply but maybe next year.

You said you have tertunggak about 3.5k right? Have you paid the tertunggak?

In my earlier reply, what I meant by outstanding is your tertunggak balance and not your full loan amount.

AFAIK, the last time I asked PTPTN (last year), it seems that for example, in your case, if you have around 3.5k outstanding and you've started paying for a few months now, the payment you made will be used to pay off/offset the tertunggak/outstanding balance, not your current monthly payment. This also means your CCRIS report will still show you have late/outstanding payment. It will only start to pay off your monthly repayment once there's no more outstanding and that's when your CCRIS report will be better.

You have two choice:

1. If you can afford to pay the outstanding/tertunggak then pay it off and start paying according to the repayment schedule from the following month.

2. If you can't afford to pay whatever outstanding/tertunggak balance you have, then you are advised to walk in to the nearest PTPTN office in order to reschedule your full loan amount. There are possibilities that they'd be able to reschedule your loan without paying any upfront payment to offset your outstanding but the monthly repayment will be higher.

Tertunggak not yet finished. I checked already, tertunggak only decrease when u pay extra from you should monthly.

I've been thinking about choice 2 also. Since if i dont clear outstanding, my CCRIS report will stay bad even if i pay monthly good. But is restructuring make my record bad also? I can afford to restructure to pay double the monthly amount. But if bad i dont want la better wait bonus then settle.

thanks mate

after we successfully swiped the credit card, terminal will produce slip for merchant and customer copy, do u all keep your copy (if yes, for how long) or just can throw it away (coz it is useless)?

usually throw

normally no issue with transaction and info can be retrieved back by system anyway.

any chance to scam/fraud based on that piece of paper?

dont think so, it's just a post-transaction notes, has no valuable info to trigger a transaction. furthermore, there is SMS notification or OTP to your mobile.