Hey guys, i've recently just came back from travel, so i didn't receive anything on the phone until i landed then i get this message for my housing loan



I was like wtf, because i set auto recurring payment on 28th to pay the exact amount every month. I realize my installment amount has increase due to BLR but i didn't get any notification from email or sms or anything in the prior month. so i immediately pay the outstanding RM137 on the spot with my phone on the plane. My due date is 1st of every month now i am a week late with only RM137 outstanding, my concern is my ccris record, i am planning to buy another property next year. will my CCRIS record show a 1 instead of 0 soon? What should i do now, i'm asking for advice because it's holiday bank customer service is off now, thanks

No worry la, only a reminder and u paid already.

Link up the loan account to the saving account with the automatic deduction mechanism regardless how OPR changes. You will not miss out on the monthly repayment & the house insurance premium.

Have you checked you CCRIS account by now? Did you get a 1?

In my previous car instalment, I didn't set up auto debit and remembered the date wrong, had been a couple of days late in the last few years of the instalment. I was not aware until I went to the bank to settle the remaining loan early, was fined like RM 50 or something, but it didn't affect my CRRIS, I got a house loan approved during that period.

yes, my car loan short of rm50 or something because of some bank charges. i got a 1 in my ccris.

i just checked so far not yet, probably because not updated yet last update was 30th June. maybe next month i will be able to see if there is a 1, however i called my bank few days ago, they say it will only be 1 if i pay after 14th of the month, well we'll see if thats true next month

This post has been edited by xdontmessup: Jul 14 2022, 03:13 PM