Jan 22 2010, 01:42 PM
QUOTE(finance.graduate @ Jan 18 2010, 06:50 PM)
when i wanted to apply for cc, my dad advise me not to make any late payment, even 1 day, as all will be reported to ccris
he mention something about the report having 0 if okay, 1 if late from 1 day to 30 days, 2 if 31 days to 40 days etc
just wanna share my dad's valuable advice
if u r late for a few days is okie as bank normally will send the default payment list once a month... for examplehe mention something about the report having 0 if okay, 1 if late from 1 day to 30 days, 2 if 31 days to 40 days etc
just wanna share my dad's valuable advice
your due date : 2nd of every month.
you pay on 5th
the bank send report on 10th, then you are safe as your payment record is updated
but
your due date : 2nd of every month.
you pay on 10th
the bank send report on 8th, then CCRIS will reflect that you had missed one month payment.
if you can get to know which is the date that the bank send the record to bank negara, then would be great
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