few days ago i applying for Hong long bank credit card, after submit all the docs, 2 days later my application been rejected.

i had check with my credit report that i had total 3 loan , hire purchase pending for 2 months , Aeon credit total loan amount RM 1100 (unpaid) .

Would the Bank check for CTOS also while apply for credit card?

Means that hired purchase and aeon credit only.
the hired purchase one it doesn't have any problem , just only the Aeon credit one.

Self check i have no idea they charge fee or not.

What i mean here is "ONLINE SELF CHECK" which cost you Rm10 per report.

Hi guys,

Let's just say;

XX is due to repay RM1k/month to the bank.
So first 4months, he paid on time {no delay in paying}.

However, on the 5th month onwards, he didn't pay.

So if he were to check his CCRIS record on the 10th month,
is this how it will look like?

Jan - 0
Feb - 0
Mar - 0
Apr - 0

May - 1
June - 2
July - 3
Aug - 4
Sep - 5
Oct - 6

^ Is my illustration correct ?

0 = veli good
3 = bad
3 is 3mth default payment. correct?

those numbers are not rating, it is actually number of payments in arrears. if 5 means the payment is late by 5 months. usually, it is bad but for some cases like ASB loan, banks don't really care since the loan has collateral. and it depend on banks as well, international banks are more strict in term of debt collection but local Islamic banks, they still have some soft spot.
CCRIS will only be updated on the 15th of the following month. but internally, bank have their own cut off date for payments, usually on the month end regardless of your due date.

once we print the ccris report, how long we can print again?

Hi just want to ask,

My brother have apply personal loan with rhb bank easy loan, apply two personal loan, now have 5 month dint make a settlement,dint reply a call and get a letter from lawyer, both personal loan amount is rm3x,xxx...cause now my brother dont have a job so cant effort the payment, what the bank will take action next ?

Hi...

Help needed...

I managed to settle one of my Special Attention Account last week and the bank officer said they will have the CCRIS Report updated within 7 days. As I walked in to BNM earlier this morning to print out the latest report, it shows "No Credit Records on Files" and "No Special Attention Records on Files". I have to admit "Thumbs up" to the officer for the prompt action.

Does this mean all of the above shows, I do not have any loans and credit cards in hand?

The reason I am asking this as I have intention to apply for credit card/loan from banks. I am afraid it will be rejected by the banks as it shows my record empty.

Besides that, will CTOS impact my application for the above?

Truly appreciate if any of you could give the best possible answer for the above.

Thanks in advance.

Does the bank actually blacklist you if you've poor records but managed to settle? Thought they'll refer to your ccris or ctos only.

The bank has to update by 30th of every month in order for CCRIS to update on the following month 15th. If the bank missed this deadline, then you will have to wait for another month.

I took a personal loan with JCL Credit two months ago while I was still under AKPK (still have the last one about RM 6k at that time). I took it just to have credit file onboard but surprisingly JCL is not listed on my CCRIS. Gonna close it down sson.

Housing loan and Credit Card are a sure no no. I think I got lucky with JCL also because they are classified as non-banks, probably a different risk appetite.
Really depends, my JCL loan is the same as normal loan interest.

I have a Maybank CC. I owe them RM30k. It’s has been cancelled now. 3 months I didn’t pay now they say 3rd party debt collector handling this. I told them that I can only pay monthly RM2k and subsequently higher. They say cannot must settle at 70%. And they threatened me with judgement order sale. Can they file for bankruptcy?  as I know the amount must RM100k above to file for bankruptcy. Do I continue to negotiate with the bank ?

Yes but unfortunately there are still banks out there that uses their score  Do you think CTOS will stop with credit rating though?