The main difference between Ccris and ctos are
Ccris : BNM database, usually from banks cc/loan as well as some government loans like mara or ptptn
Ctos: private database, usually from some banks cc/loan, some private financing solutions (including aeon credit/instalment / BNPL like spay / grab paylater) or telcos/astro bills

Bank usually more weight in Ccris rather than ctos because Ccris by BNM is considered as more accurate

BNPL like spay later required you to pay a bit more attention on bill date. That's why spay later usually recommends 1 month or 3 months (both no interest rate), if longer then will charge interest rate already