Each n every bank hv their own criteria to evaluate the borrower. facility been rejected not because of CCRIS or CTOS. Maybe u did not meet the minimum requirement.

CCRIS is to check on payments record n total facility.

CTOS is check on bankruptcy n legal issue. It will still shown even if settle. It will update on the on going legal issue status as well.

FIS, as wat elv2k say... banks will only conduct checking when u apply for car loan or machinery loan.

If u r applying for credit card, make sure u meet the minimum requirement. if still reject, maybe yr commitment is too high.