Even if credit card/loan late payment after 1 day of the due date, CCRIS considered as 1 in the report. Some still said that if due date is 1st each month, then you make payment before 30th (or within the same month) then your CCRIS will still show 0 . Because you still not One Month late payment. So confusing!

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Added on January 1, 2013, 7:08 pmEven if credit card/loan late payment after 1 day of the due date, CCRIS considered as 1 in the report. Some still said that if due date is 1st each month, then you make payment before 30th (or within the same month) then your CCRIS will still show 0 . Because you still not One Month late payment. So confusing!

haiyakk
so surprised when i go to pajak gadai islam (bank rakyat) it will appeared in my CCRIS

worried to apply housing loan :-(

Hi all,

Recently i got a few call from a debt collector claimed that i owe hong leong credit card total rm36.8k (include interest). funny part is from the first call from them, they said i owe rm27k and after 1-2 weeks on 12th of may they said my total amount is 36.8k (10k different!!) and offer if i do full settlement it would be rm25k.

Frankly i defaulted it for very long time..i didnt make a single payment to it since apr/may 2009. and i went to bank negara and check my ccris, it was clean. and i check on my insolvency, i m not bankrupt either.

so my question is, can they file bankruptcy on me? Please advise.

Regard

Guys can anyone advise on this problem i have.

Currently my company is practicing terms that which if any of our customer failed to pay within the said period hence we will stop supply.

Currently i have a customer were not coperative when comes to payment collection. He mostly pay over the terms agree period. For example: the terms our company offer is 30 days statement date period hence any invoice billed on March the payment should reach us latest by 30th of April however most of the payment reach us by 5 to 7 days late which may lead to our company policy to come effective by stopping supply to them.

I have been communiciate with the customer but he is uncopperative and futher to threaten my company if my company dare to stop supply them the balance payment he will pay monthly by RM 50 per month.

As u can see the game he is playing, may I know can I request my company to apply CTOS on the company?

Additional on that my every conversation to this customer is recorded and every whatsapp message archived. Because this customer like to play lies...

Thank you

Dear Sifu,

I am running a Sdn. Bhd. with my partner which the company is new(since last year). We will need to apply some financing with the bank in a year or two in future, a the CCRIS also applicable to company, what is the advisable way to get my company with a CCRIS? i.e. purchase a motorbike and get financing gurantor by personal?

Please advise.