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 CCRIS, CTOS, Blacklisted by Bank, Whats The different.

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SUSMNet
post Mar 11 2017, 07:44 PM

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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 sad.gif
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u buy the CTOS report?
SUSMNet
post Mar 30 2017, 08:11 PM

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QUOTE(omgimahero @ Mar 29 2017, 08:31 PM)
I just verify my ctos account and not much information provided. Now its promting me to pay RM25 for full report. Isit worth it?

I am young, no debt, never late payment on anything. never even kena interest on credit card before. I am also not a business owner, never issue cheque before, had never been in a legal case even with authorities.

Isit worth pay RM25 on CTOS? Economy not good la, RM25 save is RM25 earned.

Just wondering worth it anot?
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Yes u should buy and view it to understand ur economy stand.
RM 25 is not a big figure.
SUSMNet
post Jun 30 2017, 09:10 PM

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yes ur ccris will dent due to this
need to wait 12 month to clear
SUSMNet
post Nov 18 2017, 11:03 AM

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CCRIS only can print at BNM
SUSMNet
post Feb 3 2018, 04:41 PM

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u can try bank islam personal loan
SUSMNet
post Feb 8 2018, 07:46 PM

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min payment
SUSMNet
post Feb 13 2018, 09:54 PM

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QUOTE(andrewplay94 @ Feb 11 2018, 12:47 AM)
If i been owe credit card for 3 year never pay and some loan company never pay .. if i settlement all , how long i can re-apply credit card ??
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12 month to cleaned up the record.
SUSMNet
post Jul 21 2018, 10:21 AM

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u still can take loan as it depend on the risk tolerance of the bank
and the sure thing is the interest u getting will be high compare to normal rate.
SUSMNet
post Jul 28 2018, 01:14 PM

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QUOTE(johnyap1993 @ Jul 27 2018, 08:49 PM)
If you are under AKPK, I doubt they will give you loan that you require to clear your debts. I only got 5k and have since closed it.

BTW I got approved for CIMB home loan for a million three months after I cleared my AKPK.
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what is the interest rate of ur home loan?
SUSMNet
post Sep 6 2018, 10:17 PM

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QUOTE(MARVIN333 @ Sep 4 2018, 03:58 PM)
anyone is pro in reading CCRIS report? pls help to translate below info.

my cc rate is CC scoce: 566

-bank revolving account balances are relatively high in proportion to credit limits
-average overall credit allowance i relatively low
-number of enquires reported is concerning
-no account with collateral

also under credit application i have one with maybank and the facility/app type is "N" what does it mean?

kindly help pls. thanks.
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Where did u see the score 566 at CCRIS report?

SUSMNet
post Sep 10 2018, 10:52 AM

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I see. No wonder I cannot find the score at CCRIS
SUSMNet
post Sep 17 2018, 10:13 PM

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u can apply now it will not affect ur ccris
SUSMNet
post Sep 18 2018, 07:01 PM

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It will not be removed.
It will show 0 only on the outstanding amount of PTPTN
SUSMNet
post Sep 19 2018, 09:03 PM

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QUOTE(ycgoh123 @ Sep 19 2018, 10:50 AM)
i just finished my aeon motor loan on end of July. until today the record still in the ccris with last updated date on 30 June and empty for month Jul and Aug, no 0 no 1. any idea when it will be updated and cleared from my ccris?
anyone got experience on this?
thanks
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after 12 month it will get rid from ur record.
SUSMNet
post Nov 11 2018, 01:53 PM

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Only include credit card
SUSMNet
post Dec 11 2018, 10:12 PM

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QUOTE(ck8811 @ Dec 11 2018, 07:17 PM)
I just printed my CCRIS report recently, saw there's record of my cancelled credit card years ago, will these affect my future credit card application if there's too many cancelled credit card?
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yes.
may i know which bank?
SUSMNet
post Feb 10 2019, 02:23 PM

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Before pay off ptptn, how much ur ctos?
SUSMNet
post Apr 11 2019, 07:53 PM

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QUOTE(lsstjs @ Apr 11 2019, 03:29 PM)
Was with AKPK for 7 years and I just released from them on last month. Interest is about 8% if no mistaken.
I checked my ccris record this morning , yeah ~ its totally blank with no more AKPK wording appear there.
nod.gif  nod.gif
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Do u mean 8% pa or total 7 yr is 8% ?
SUSMNet
post Jun 23 2019, 10:47 AM

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QUOTE(hustlerism @ Jun 22 2019, 11:03 AM)
Does late payment for hire purchase loan affect ccris?
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Yes it will.
SUSMNet
post Jan 18 2020, 02:52 PM

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yes can view the rejected cc from ccris record

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