Your CCRIS is already dented with a figure of 24 if I'm not mistaken.

Meaning it'll definitely affect your credit application apart from DSR consideration by the financial institutions.

Maximum rebate is RM 50
But for online/e-commerce category is RM 30 only!

Even with Maybank is also RM 50 which is equivalent to RM 1000.

This post has been edited by David83: Mar 5 2017, 10:46 PM

How much can he/she have since mentioned just started to work?
Do note as fruitie pointed out that only EPF Account II can be taken out for education.

This post has been edited by David83: Mar 5 2017, 10:51 PM

You need some strategy.
Try to maximize first before heading to PTPTN office for full settlement.
As paying using FPX, the statement is update almost real time (provided no error during the transaction).

The conclusion seems like they won.
You have no choice that you have to adhere to it.
But recently, a law graduate student won a case against PTPTN for the exemption of repayment upon obtaining first class degree holder.
Do you want to bring the case to the court?

I'm just citing a case study as an example.
If you feel that you have mistreated or misled by PTPTN, you can always opt for legal direction.

This post has been edited by David83: Mar 5 2017, 11:30 PM

I know mine is already screwed!

I got the similar email too for the backdated outstanding that I mentioned few days ago!

I'm wondering why there're two descriptions for repayment:

1128 KTP ML PTPTN
1148 KTP UJRAH ML PTPTN

This post has been edited by David83: Mar 8 2017, 11:33 AM

And the amount cannot be altered after you keyed in the large sum that you wanted to pay for.

How much to go into 1128 and 1148?

Yes. It is auto adjusted by itself after you keyed in the big amount that you want to pay at the Penyata Baki page.
Once you arrived at the second page after clicking on the Bayar button, you can't change anything on the 1128 and 1148.

Who said so?
My amount is PINJAMAN 1 is very big. If cannot change the amount, I'll die!
I can change it to my monthly repayment amount as per contract.

Sorry, I misread. You can pay less but not pay more.
To pay, repeat the step.
There's no 53 cents charges if you pay using CC.

As long as the payment is captured in Penyata Baki Terperinci, should be fine! I also experienced the same bug too!
Otherwise, you'll be headache to contact PTPTN officer/staff to do manual retracing and updating.

This post has been edited by David83: Mar 9 2017, 06:54 PM

How much is your tunggakan?
Your case sounds similar to mine.
The insurance is there to insure the loan if anything happened to you especially when you RIP before you could completely settle the loan.

I told that I got outstanding because of the backdated ujrah amount they charged from the date I need to repay (6 months after completion of study) till I successfully converted into ujrah. Their stupid system cannot automatically adjusted even though I have been diligently pay through salary deduction for about 5 years. This amount will still retain as outstanding till I cleared till on top of the monthly repayment and it dented my CCRIS record.

Recently via email, I noticed the amount has been starting to par down. Not sure how but seems like some of my repayment went to offset that side.

This post has been edited by David83: Mar 9 2017, 10:06 PM

If you pay online using other channels apart from PTPTN portal, the insurance/takaful fee will not be adjusted from your payment.

Only at PTPTN portal, you can choose to pay either or both Insurans and the Pinjaman

I'm using Chrome and I had paid twice this month.
Try clear your cache or temporary files.
Also try to disable pop up blocker.

Seems like PTPTN is desperate for money!
I have been receiving the email reminder on the outstanding amount for third time since 2017.