I recall my friend got blacklisted once by a bank. I think he mentioned that if you got blacklisted by one bank, it's likely you get blacklisted by all banks that work with Bank Negara. Think they have got a shared database or something in CCRIS.
If you're behind payment, it's likely CCRIS has a record or something. But the people who will call you first is the bank.
CCRIS, CTOS, Blacklisted by Bank, Whats The different.