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.

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.
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.

If your salary is above a certain number, that restructure should not hurt.

But if it's not, it's rather hard to get a new application approved.

Why did you restructure it anyways?

Can't opt for the extension thingy instead?