i only have a car loan now...annual income for sure pass the requirement..sometimes really dont understand the bank's criteria on approving applications..

i even provide them with the PTPTN letter.

Rm25 for ctos check is kinda daylight robbery lol..

but glad to know my score is A !

mycredit and CTOS different

RAM only RM10 with scoring

I'm pretty sure my income is high enough as my car loan is only RM973 per month and i dont have any commitments.
my income is easiyly RM5*** ++ a month..

Tried applied Maybank which my car loan is also rejected.

my CCRIS payment record now is "0" every month and PTPTN has been cleared from the records.

Hi All,

Please comment on my situation below:

I have zero credit card or loans under my own name.. only supplementary credit card which all the amount paid in full every month.

As at mid of 2016, I have a trade reference by P1 and a lawsuit from a bank due to hire purchase auction (since year 2010).

Paid off the P1 and they sent me sms that my name has been taken off the trade referene.

As for the lawsuit from bank on hire purchase, I have nego with the banks and paying on monthly basis for the last 1 year ++ and in Nov 2016 i even got the monthly repayment arrangement agreement with the bank so that i am consistently paying them. So far no issue on the payment on monthly.

Early Feb 2017 when i viewed the CTOS rating, i am still at the border line RED zone. Maybe it is due to the bank suit which still appearing in the CTOS.

Question: I have sent in application of Credit card with one of the bank which my salary is in it (net pay 9K++) together with the bank agreement and P1 is off the list.

What do you think would be my chances to get that credit card approved? I just want to apply it just to see whether my record is still good to go or still at the drain

Hi all, just want to ask for credit card payment, if i pay within the grace period would it still affect the CRISS as late payment?

say due date 17th, grace period until 7th of the next month, and payment is paid within 17th to 7th of next month?

Dear

1. let akpk?

2. balance transfer and restructure. talk to them
Dear

1. ... wont be blacklisted... your ccris will show an arrear of 1 only ! make sure you continue to pay on time.

Cheers

YES
But you got one FREE report every year: