CCRIS, CTOS, Blacklisted by Bank, Whats The different.
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 Jun 24 2014, 10:04 AM
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#1
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Junior Member
107 posts Joined: Jan 2008 
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Hi all,
I pay my credit card (about 30-40% every month) but sometimes 1-2 days late. However, if I pay off everything now (outstanding balance is RM0 on all cards), will I still run into CCRIS issues if I apply for a car loan? |
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Jul 7 2014, 11:36 AM
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#2
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Junior Member
107 posts Joined: Jan 2008
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QUOTE(wild_card_my @ Jun 26 2014, 03:19 AM) Well unless you cancel your cards, your late payments will still appear in the record Thank you - I went to Bank Negara and check my CCRIS records and it was clear But if it is just for a few days (not until next month) there shouldnt be a problem la, normal la people pay a few days late. banks understand. but if you carry this late payments over to next month they would know that you are screwing up with the payments.... If you really cant take any bad CCRIS records.. what youcould do is to pay off the cards and cancel it. that way the records will be gone from the CCRIS in a few days and you would be so good to go!   At most I've been 3 days late (because I forget) so not a big problem. But I will pay on time moving forward! |
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