It won't matter if the term changes in ccris, it is still a ptptn loan. It is even more obvious if you never paid at all as it can be seen as 10,30, or even 100 months unpaid. I think bank negara requested to stop approving loans to people who don't pay ptptn, though I believe some banks do not enforce this strictly as they still need to cari makan.

If your ccris ptptn shows 0 outstanding, it's likely that your DSR is too high due to too much loans or pay too low, or they just don't think you will be a good customer due to type of job or whatever and just use ptptn as excuse to reject you

This post has been edited by capsulr: Dec 14 2018, 05:53 AM