Jul 6 2011, 10:14 AM
QUOTE(leozai @ Jul 2 2011, 03:27 AM)
hey guys~~ have a question~~ after reading still dun understand some Q ~~
let say is i own a bank credit card debt bout 4k~~
been paid RM500 monthly since i owe da debt~~
but after 2 month~~ i just lost my job~~ so i just repay back RM1k~~ and now debt left 3k
Been looking for job bout 1 month, start working now and i need to wait til end of da month to get my salary ~~ so its 2 months late payment~~
da CC officer have call me to ask for payment, since i dun have even enuf $$ to return to them right now~~ i need to drag da payment til i get my salary~~
in this case i think he mention to me if late will get to ccris/ctos stuff~~
if unluckily kena~~ and after i settle da payment in coming 2-3month time, will da ccris / ctos been remove?? as i can apply hse / car loan after that???
Teach you a not so good method but an effective way to temporary solve your problem until you get your salary and on the right track again.let say is i own a bank credit card debt bout 4k~~
been paid RM500 monthly since i owe da debt~~
but after 2 month~~ i just lost my job~~ so i just repay back RM1k~~ and now debt left 3k
Been looking for job bout 1 month, start working now and i need to wait til end of da month to get my salary ~~ so its 2 months late payment~~
da CC officer have call me to ask for payment, since i dun have even enuf $$ to return to them right now~~ i need to drag da payment til i get my salary~~
in this case i think he mention to me if late will get to ccris/ctos stuff~~
if unluckily kena~~ and after i settle da payment in coming 2-3month time, will da ccris / ctos been remove?? as i can apply hse / car loan after that???
You can withdraw some $$$ from your credit card thru cash advance (5% commission charges) and after you got the $$, u bank in the money into your credit card account again as payment. Like this, you will not get late payment reminder and you are cleared in your minimum payment outstanding due to the bank. Then, your ccris will be updated as paid but the 2 months delay will be shown. Make sure the later record is clean. Many people like to roll like this and make sure you dont get addicted on this and keep on rolling till your debts balloon to an uncontrollable level.
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