Well, I applied for a Standard Chartered Personal Loan with my existing car loan from EON Bank (secured with my parents as guarantor) and I got rejected because of my CTOS status (trying to clarify the reason officially). I have been paying my car loan steadily every month as I have my statement as proof but I still got rejected because of CTOS. The only reason I can think of is because I defaulted my motorcycle bought when I was age 19 in university. That time I paid only about half of it before I defaulted. I assume the amount now should not be a lot too as the bike then was about RM2000 only. If I can get this personal loan of RM10000 approved I'd definitely clear off my CTOS status.

But I need help as is there any other way I can secure this loan without looking at my CTOS? I have some friends telling me since I was a constant and good payer with EON Bank there are certain ways I can get it approved.

Anyone can help?