Outstanding 12745 ,limit 13000

I received aeon call yday evening, they need my employment letter and latest bank statement.

Most probably wont success no matter whivh bank u apply

Means i need to improve my oustanding amount first then try again?
Sad : - (
Thank you..at least I will try looking for other way

Correct. U can try to apply as debt consolidation and see if it works tho.

I see...now my ccris got pending application by aeon..maybe I just wait till the loan rejected then i try dept consolidation then.

In another thread someone told me that aeon compliance is quite leniant so pray hard they approve ur 20k.

653 😊

Received a personal loan promotion from CTOS in collaboration with Alliance, has anyone applied it before?


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Hey guys. I applued for a loan but i decided not to agree/sign. How long my record for new application will be there in ccriss/ctos

you can decline them officially and they can remove asap.

once removed - normally it is reflected within 24 hours.

Hello. Recently applied for OCBC 365 credit card. They approved RM20k CL and they gave me three cards. My total combined CL mentioned in the letter is RM20k but in my CCRIS report it says that I have RM20k x 3 which is RM60k.

I’m curious as to why it shows that I have a 60k credit line with OCBC when I only have RM20k 🤔

i have a question

every month, the bank will submit the report to ccris to BNM
so in order for me to look good, i will settle my outstanding amount in my credit card and when bnm report appear on 15th then it will shown no outstanding......my question is when the bank send the report and based on which date. because i hear a lot of story...some tell me they based on 30th.....some say they based on 10th and some say they based on 15th..........................actually which day they will based on......as i want to keep the record the clean.....and 16th onwards will swipe kao kao

i have a question. Always want to ask but forget. I notice my hp loan, in online banking it shows my remaining amount due is 50k but when I check in crris the amount shows RM46k. Should it show the same? Abit confusing though.

ccris data do not include interest

what are the chances u can get this?


This post has been edited by Jesmunso: Nov 13 2019, 08:29 AM

if i am at overseas, where can i check my ccris report for free or any other sources...thanks.

Hi everyone, I got a question here regarding about CTOS. I wanted to purchase a house with the help from some sort of agent that charges me a fee for 5k to settle all nicely. The house loan approved but it comes with pledging 30k fd to bank.

The agent is asking me to pay him 5k fee as I did, eventhough i did not sign any form with the agent. He also required to resolve the issue from bank require of pledging fd as i paid him 5k fee to solve all.

Now the agent took my wife's details name and require her to go thumb print to proceed for personal loan. After success for the personal loan then the agent is asking for another 5k fee which sounds kinda ridiculous as he did not mentioned earlier the amount charges for that.

Right now that agent shown me an issue letter from his company to proceed legal suit and submit trade reference on my wife's name to CTOS even we did not get inform for that amount. Would like to know is it possible to lodge a police report on the agent and submit to CTOS for dispute on this issue? Thank you everyone.

if there’s no proof that you or your wife have agreed for the additional 5k fee the they can’t proceed legal suit against you or your wife. However, you want your housing loan issue to be solved. If you go against this, it’s gonna take time to clear the CTOS filed against you and for you to get the housing loan. Best thing, get a loan from bank directly, let loan approve and disburse, then proceed with settling this issue.
But what’s the main reason you went to an agent who want to settle it all “nicely” ? Any issue ?

Want to get some info from everyone here, i have a car loan with PBB which i pay late by few days due to salary payday for past 7 years. As i want to get a new car, it appear my CCRIS is at 3 while trying to apply new loan

After call to CS it mention of the late payment and have 2 times which i didnt pay back in the days (which i do not remember as it been 4 years back). I am furious because PBB never send any letter or call on this arrears which i totally not aware of & i been paying on monthly basis continuously, should i know i would been settle the outstanding

My question is there a way for me to go to PBB office and complaint on this and to have the CCRIS reflect back? i still remember last time when i do make a call to them and check if there is any outstanding balance and the answer is no but in reality its not.

I have a question:

I have credit cards and charge card currently with MBB. I seldom use my credit cards and mostly spend on my amex charge card which I pay in full every month without fail. Prefer using charge card as it does not have any pre set spending limit as I consistently charge 6 figure amounts every month.

When applying for credit / loan from other bank, how do they view this heavy charge card usage? Never missed a payment and always pay in full.

My concern is about the debt / utilisation ratio as charge card does not carry a credit limit per say, would it impact in any bad way? I wonder what figure appears on the CCRIS report as the credit limit for the charge card?

Please help to enlighten me. Thanks.