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 Need advice on repaying PTPTN loan, all ur News and Questions on PTPTN

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fruitie
post Apr 14 2017, 09:31 AM

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QUOTE(leo_kiatez @ Apr 14 2017, 09:09 AM)
Any fpx charges on using credit card to pay ptptn through the ptptn portal online?
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No extra charges.
fruitie
post Apr 14 2017, 10:14 AM

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QUOTE(shorea89 @ Apr 14 2017, 09:59 AM)
What cc u used? I think pb cc didnt give any cb for ptptn..
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CIMB CR and Maybank2Cards AmEx.
fruitie
post Apr 14 2017, 04:15 PM

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Saw PTPTN in my latest CCRIS report. It is showing "0" since Oct, the month I went and cleared my outstanding or is that known as "restructuring"? Months before Oct are all empty. There is no indication that shows it is restructuring. Maybe banks may see it.

According to the officer there, my record is considered good now and cleared for any tertunggak. I may be able to get my credit applications e.g. loans, credit cards. Let's see for my first CC application after restructuring PTPTN.
fruitie
post Apr 14 2017, 10:23 PM

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QUOTE(HenryJay @ Apr 14 2017, 09:45 PM)
why cleared your outstanding considered as loan restructure?

btw, from bank perspective, they dont care your current status is all '0', they want all recent 12 months are '0'. recently my cc application always get rejected. until this month, all will be '0' now, LOL
1st anniversary after i cleared my outstanding
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I didn't clear outstanding. Just cleared tertunggak.
I will try, all 0 and PTPTN only last 6 months 0, previous months all empty. laugh.gif
Let me try with just 6 months.
fruitie
post Apr 15 2017, 05:45 PM

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QUOTE(HenryJay @ Apr 15 2017, 02:22 PM)
oh, then mine also was tertunggak, i make repayment in advance until next year JAN, so i wont forget to pay every month, but since if pay thru FPX got no 53 sen charge and CIMB CR accept it, I might choose to pay monthly now, hmm
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Mine is 18 months advance. smile.gif
Well, if pay via CC, no service charges. If use online banking, there's 53c charges. laugh.gif
fruitie
post Apr 15 2017, 11:30 PM

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QUOTE(lcyeap90 @ Apr 15 2017, 11:28 PM)
I wish to ask about the payment of PTPTN via CIMB CR CC.
Do we have to pay thru FPX? or just normal credit card payment beside the FPX?
I have tried using FPX and chosen cimbclick but it kept showing failed. I guess this is due to I do not hold any saving acc in CIMB.
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Normal credit card payment tab beside FPX tab.
fruitie
post Apr 15 2017, 11:37 PM

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QUOTE(lcyeap90 @ Apr 15 2017, 11:35 PM)
Will this way entitle for the 5% CR?
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Yes. Been using this method since it was introduced in Feb. In fact, this is the only way to pay online via CC. sweat.gif
fruitie
post Apr 16 2017, 05:17 PM

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QUOTE(subrok007 @ Apr 16 2017, 02:30 PM)
I think you shouldnt have any problem on your application cc.
I just clear my tunggakkan and opted to ujrah. At the same month, I applied cc then successfully approved.
Previously got tunggakkan a lot tongue.gif and applied cc that time. Not approved on the spot.

PS: i didn't checked my ccris too during I applied cc after cleared my tunggakkan.
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Oh good to know. If from existing banks then no problem, if new banks to me, I may have issue.
fruitie
post Apr 17 2017, 06:53 PM

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QUOTE(Vingoh @ Apr 17 2017, 03:20 PM)
May i know if we sign auto debit from bank account to ptptn? Can we cancel autodebit and paid by credit card? I don't  want ptptn autodebit from my bank account
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Cannot, I asked before at KL Sentral PTPTN Centre.
fruitie
post Apr 18 2017, 01:19 AM

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QUOTE(wyh @ Apr 18 2017, 01:05 AM)
errrr i restructured in Oct 2016, then 000000 all the way but still things getting stuck. Been tracking my financial health but still failing toward some banks. Anyway can share you some details why 'kena' reject after restructuring.
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Oh, care to share? Or you prefer to PM me?
I will try with PBB first since I have most of the banks and cards covered already. We restructured the same time. laugh.gif
I only wanted to try now, when did you start applying? If this time still failed, then I will wait till end of the year. smile.gif
fruitie
post Apr 18 2017, 06:07 PM

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QUOTE(wyh @ Apr 18 2017, 05:07 PM)
I'll PM you. I just rejected by PBB Quantum (hardcopy reject letter received).
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OK, I wanted to apply for PBB VS actually but will test water with PBB Quantum. Thanks for informing. biggrin.gif
I will still test water and if it is still failed, I will try end of the year again for VS and Quantum.
fruitie
post Apr 19 2017, 03:02 PM

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QUOTE(sheahann @ Apr 19 2017, 02:33 PM)
hi fruitie, how to complain to Bank Negara if PTPTN updated the CCRIS wrongly.
All this while i dont have any tunggakan and all show '0'.
March payment i did using amex on 25th March. Its successfull and updated in penyata PTPTN online.
Today i went to bank negara and print my CCRIS, it shows tunggakan '1' on PTPTN for march.
i already sense something wrong when PTPTN website show there;s tunggakan for previous month(which is March).
but penyata in detail i paid on 25th March.. how to settle this ? i dont wanna CCRIS show 1 when i did nothing wrong.
Any helps ?
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You will need to check with BNM staff I supposed and walk-in to nearest PTPTN office. I think they can fix it.
fruitie
post Apr 19 2017, 04:02 PM

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QUOTE(sheahann @ Apr 19 2017, 03:23 PM)
i just called PTPTN HQ, they said march system issue. They will do pelarasan to CCRIS next coming CCRIS update.. duno got tipu me o not.
and my statement now show like this :
01/03/2017  1130 UJRAH    40.58   
01/04/2017  1130 UJRAH    40.58   
17/04/2017  1128 KTP ML PTPTN      279.42 
17/04/2017  1148 KTP UJRAH ML PTPTN      40.58 
25/03/2017  1148 KTP UJRAH ML PTPTN      52.36 
25/03/2017  1128 KTP ML PTPTN      267.64 

notice that march payment is on bottom..
anyone tat paid march and april, can you guys check ur statement see if the march payment is on bottom?
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I can't see my terperinci now. Used three browsers - Chrome, FF and IE.
Just Penyata Baki.
fruitie
post Apr 19 2017, 04:11 PM

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QUOTE(sheahann @ Apr 19 2017, 04:03 PM)
i can access wor.. hmmm
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Finally can using my mobile phone. Company's connection can't seem to work for Penyata Baki Terperinci.
No issue like yours.
My March payment was reflected on 10th March and April on 09th April.
fruitie
post Apr 20 2017, 09:31 PM

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QUOTE(David83 @ Apr 20 2017, 08:22 AM)
PTPTN statement down again?
PENYATA BAKI TERPERINCI is blank when I clicked on it yesterday and today.
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Same for me when I tried yesterday with different browsers. I used my mobile phone then I can see.
fruitie
post May 4 2017, 03:15 PM

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QUOTE(lcyeap90 @ May 4 2017, 01:39 PM)
Seems like CIMB do not give CR for ptptn payment anymore?
I didnt receive any CR for my payment.
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Just removed in April. All government transactions, not only PTPTN. Further information can refer to CIMB thread.
fruitie
post May 12 2017, 12:17 PM

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QUOTE(yiyi87 @ May 12 2017, 11:29 AM)
i signed up for direct debit
but each month I see there is tunggakan for the ujrah amount, will this affect ccris?
as the amount only goes to principal.. not for insurance also hmm.gif
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I asked PTPTN before and it will not affect according to them. I actually checked my CCRIS last month and it's OK, all zerolised.

These days, not sure if it's just me I can no longer select to pay Ujrah and principal amount. Everything goes to principal only, anybody else?
fruitie
post May 13 2017, 02:24 AM

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QUOTE(Xp3rT @ May 13 2017, 02:12 AM)
Anyone using maybank amex to pay on ptptn website during weekend? Able to get the 5% cash back?
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Yes, I paid using AmEx last month and got 5% cash back.
fruitie
post May 31 2017, 03:32 PM

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QUOTE(lonely_traveller @ May 31 2017, 03:24 PM)
Dear all,

just FYI. last month im using my cc to settle my PTPTN loan, i tot can get cash back and treat points ( used cimb cc and maybank cc coz split the limit ) but end up nothing.  sad.gif
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CIMB CR already no longer gives cash back for government transactions.
Maybank 2 Cards (AmEx) still gives cash back if you pay on weekends, I'm still receiving it.
fruitie
post Jun 2 2017, 10:57 AM

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QUOTE(xHj09 @ Jun 2 2017, 10:25 AM)
actually when is the date to pay ptptn?

i've been paying every early month on the 2nd

i get paid on the last day of the month

also, got discount if i apply for direct debit? trustable or not?
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By 25th of the month, if I'm not mistaken for it to reflect in current month.

Yes, trusted. Will get discounts. However, I don't use that.

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