I just returned to Malaysia after about 14 years abroad. I am now getting everything together. I went to CCRIS and everything was fine. I checked on CTOS and found 2 items outstanding. One was a house loan that the person I asked to take care off ignored. The house got auctioned and the bank debt was cleared and the remainder of the money was returned to me. I am not sure why this is still on my record with CTOS. The second was was someone else loan that I was a guarantor to. He bought a sewing machine with Singer back in 95 and had an outstanding payment of RM$1290. Unfortunately as a guarantor, my name was on the court proceeding.

Neither of these are of any credit card loans and one has been settled, while the other is not my loan. My question is would these effect my Credit card application.

luvimp, thank you. That is quite reassuring to hear. Contacted the bank and should get the discharge letter after Thaipusam break.