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

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digitalz
post Oct 11 2011, 08:19 PM

The only thing we have to fear is fear itself.
*******
Senior Member
2,030 posts

Joined: Oct 2011


QUOTE(oldpistol @ Oct 11 2011, 07:45 PM)
i already clear my outstanding CC amount 6k on August 2011 - selepas 2 tahun x bayar apa-apa @_@. If i want to apply CC now, will bank approve my application? Thanks.
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If your record is clean now, yes. After running some background checks and stuff, they would probably approve your application. Before I forget, it still depend on the bank though, as banks have the right to refuse the approval of your CC. Some banks are really easy, some banks are really strict. Just to ask, any income statements and stuff?

This post has been edited by digitalz: Oct 11 2011, 08:21 PM
digitalz
post Oct 13 2011, 09:28 AM

The only thing we have to fear is fear itself.
*******
Senior Member
2,030 posts

Joined: Oct 2011


QUOTE(oldpistol @ Oct 12 2011, 06:40 PM)
of coz i have...
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Good, show them all the docs that they want to see and after they check everything, it'll be easier for you to get your CC.

FYI, the current min wage to apply a CC is RM2k per month. Some banks only give the the credit amount of the double of your salary as there are too many bankrupt cases because of CC. Those with a pay of 3k above will get a bigger credit limit. That's the latest info I got from my friend in the banking field.

Another alternative is if you have FD, you can try linking the CC with your FD is its a bigger amount.

This post has been edited by digitalz: Oct 13 2011, 09:31 AM
digitalz
post Oct 13 2011, 07:44 PM

The only thing we have to fear is fear itself.
*******
Senior Member
2,030 posts

Joined: Oct 2011


QUOTE(oldpistol @ Oct 13 2011, 06:26 PM)
hmm.. any suggestion for 'friendly' bank to apply?  tongue.gif
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Lol. This 1 I cannot really help you. This you have to find for yourself as opinions would vary. Some say this bank good, some say this bank bad. Good luck!

 

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