I have a question...i applied credit crd from citibank and it seems like been rejected...when i asked them the reasons...they mentioned..please go to BNM...and check...

well i managed to get my ccris report..only my diners card have 1 month lapse...but i have settled it out..last week...other personal loan..all cleared with '0'...and then the officer asked me to check with CTOS...coz she couldnt see any problem with my ccris..

went to CTOS....again there's nothing written in the report...but the girls overthere mentioned that...i'm not the only one who is facing such issues...so many people...

any idea..where can i check again ? really need cc as i need to travel soon...

hmmmm... anybody knows about FIS?

at last...i managed to get some info about why my cc application been rejected...well..now another bank too rejected me....because i'm tired to go to BNM and CTOS asking for reasons as they would replied...no problem with your account...grrrrr....
she shared with me..regarding some payment lapsed for quite sometimes for my other cc...more than 4 months...i was stunned....
i did..didn't make payment for quite sometimes...4 months due to some problems...and then i made full settlement...and canceled the card last year in october....

so..if i made full settlement...my record is still there in FIS? how frequent the info in that system will be updated by each bank? what are the info kept within the system?

anybody can help me to answer ?