QUOTE(schang2203 @ Feb 27 2017, 04:37 PM)
Hi All,
Please comment on my situation below:
I have zero credit card or loans under my own name.. only supplementary credit card which all the amount paid in full every month.
As at mid of 2016, I have a trade reference by P1 and a lawsuit from a bank due to hire purchase auction (since year 2010).
Paid off the P1 and they sent me sms that my name has been taken off the trade referene.
As for the lawsuit from bank on hire purchase, I have nego with the banks and paying on monthly basis for the last 1 year ++ and in Nov 2016 i even got the monthly repayment arrangement agreement with the bank so that i am consistently paying them. So far no issue on the payment on monthly.
Early Feb 2017 when i viewed the CTOS rating, i am still at the border line RED zone. Maybe it is due to the bank suit which still appearing in the CTOS.
Question: I have sent in application of Credit card with one of the bank which my salary is in it (net pay 9K++) together with the bank agreement and P1 is off the list.
What do you think would be my chances to get that credit card approved? I just want to apply it just to see whether my record is still good to go or still at the drain
u buy the CTOS report?Please comment on my situation below:
I have zero credit card or loans under my own name.. only supplementary credit card which all the amount paid in full every month.
As at mid of 2016, I have a trade reference by P1 and a lawsuit from a bank due to hire purchase auction (since year 2010).
Paid off the P1 and they sent me sms that my name has been taken off the trade referene.
As for the lawsuit from bank on hire purchase, I have nego with the banks and paying on monthly basis for the last 1 year ++ and in Nov 2016 i even got the monthly repayment arrangement agreement with the bank so that i am consistently paying them. So far no issue on the payment on monthly.
Early Feb 2017 when i viewed the CTOS rating, i am still at the border line RED zone. Maybe it is due to the bank suit which still appearing in the CTOS.
Question: I have sent in application of Credit card with one of the bank which my salary is in it (net pay 9K++) together with the bank agreement and P1 is off the list.
What do you think would be my chances to get that credit card approved? I just want to apply it just to see whether my record is still good to go or still at the drain