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

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asia
post Apr 28 2010, 11:36 PM

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QUOTE(yks8845 @ Jul 13 2008, 01:48 AM)
I started this topic regarding some personal finance issue which always related to CCRIS, CTOS, blacklist by bank.  laugh.gif

Since i been browsing and go though some forum and found that quit number of forumer having CCRIS,CTOS, blacklisted by bank problem.

may i know whats different about  CCRIS, CTOS and Blacklisted by bank ? And how those system function?  hmm.gif
If lets say one Guy who was having credit card outstanding balace for july rm 1000 (but previous outstanding balance = rm 0) , he did paid rm 500

before due date, so, is that he is under CCRIS problem ?  rolleyes.gif
Dude who have knowlegde about those CCRIS,CTOS etc welcome to telling me  rclxm9.gif
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ccris mean u have a bad record payment.
e.g u have RM1000 outstanding on jan and u pay on feb RM500, but following months u didnt pay. then ccris will be counted.
asia
post Apr 29 2010, 12:08 AM

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QUOTE(b00n @ Apr 28 2010, 11:51 PM)
Do not MISLEAD others.
If you do not know that much, at least take some time to go over the topic before responding.

CCRIS is not all about bad payment record. CCRIS is a BNM centralised repository where banks would report all the customers loan facilities to the BNM regardless whether or not they missed any payments.
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thanx to correct me , anyway i jus make a simple way to let them understand not misleading them . i shows tat eg.


 

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