if blacklisted by CCRIS and CTOS, still can apply supplementary credit card? anyone know?

also, can they have debit cards? thanks

If blacklisted in Telcos (I have 2, maxis and u mobile), and it reflected in CTOS records right? Does it affect future loan approval(s) that I might apply? Cause I’ve applied CC from 2 banks, both rejected (CIMB & MAYBANK).

Hi,

I would just like to check. I defaulted on my credit card payment for HSBC as i was young and naive back then and took on too much over my head. I settled of my entire outstanding balance in one go over 2 yrs ago. Would this be captured in CTOS and CCRIS?

Also when i was attached to a certain telco company recently, my IC was misused and i found out that there have been several lines registered to unknown ppl with my IC details and i am being sent lawyer letters for this. Is this also captured in CCRIS and CTOS?

Can CCRIS be cleared out after a certain period of no loan / credit card etc?

I am rather worried and confused. I want to start on a clean slate as i have learnt my lesson but there is a nagging feeling in the back of my head that this will haunt my records forever.     

The defaulted payment for telco is not my fault. My IC was misused and the lines never belonged to me. Up to date the telco has not cleared the case out which is frustrating esp when ur trying to avoid such issues to keep a clean slate. This happened about 3 yrs ago and still unsettled because i refuse to pay for something that is not mine.

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Added on November 22, 2011, 6:08 pm
I actually dont want to apply for credit cards. I rather pay cash if i want to buy something. But my concern is if i need to get a housing loan or car loan..as of now i never bought a car or house due to this..worried that it will get rejected..

Then its rather unfair..because my IC was misused..any suggestion on how to clear it from CTOS? May i know how you know all this if you dont mind me asking?

how to clear name from ctos result from a dispute ?

Let's say I have three credit cards now all with outstanding balances. If I clear the balances on all my credit cards before 10th December 2011 (i was told BNM's cutoff date for ccris is every 15th of each month), will my ccris report on 16th December state that I have no outstanding balance on all my cards? Just curious.

Hello,i'm blacklisted from bank for car loan about RM21K, this month i will finally pay all my settlement with the bank so after this i clear from my debt, my bank officer that handle my case say that the bank will give to me release letter after i finish this debt, i want to know when i will can start apply for loan ?

she said after the bank give me release letter i can apply loan after that, just need confirmation from u guys, do i need go to CTOS office to clear my name from their system?

Hi all,

I need advice urgently:

1. Will an application for share margin financing appear in CCRIS (and would it make any difference if it is from stockbrokers like HDBS or OSK vs commercial banks like Alliance or CIMB? Since the former is governed by Bursa Rules while the later is governed by Bank Negara?)

2. I am in the middle of refinancing my property with Pub lic Bank and will sign loan agreement in 1-2 weeks. However, the money will only be released 5-6 months from now. In the meantime, I'll thinking of applying for share margin financing to take advantage of any opportunities in the stock market. Will applying for two big credit facilities within 1-2 months of each other be considered "risky" and "desperate" behaviour and is there any danger of Pub lic Bank withdrawing or refusing to release the home loan money later?

I've never missed a payment in my life so my CRIS record should be spotless. And I am financially sound - I am only desperate not to miss investment opportunities.

Thanks!

(Please refer to spoiler for context)

Hi,yesterday just go bank negara to print out my credit report.
shown 1032221111  . luckily my name didint appear cctos...can i still can apply loan

alright ! so far im just decline by aeon credit personal loan.is about 10k.have any idea bank to easily apply personal loan..

Hi all, i got some question, need to find out ANSWER here, pls help......

Story:

I got total 4 credit cards since 2003 which is under MBB, CIMB, HSBC, OCBC.
But i stop make any payment since 2005 till now( due to financial problem), and all cards are cancel by bank.
Recently i wish to settle all outstanding balance, so i went to print my C cris report, but it only shown MBB and CIMB under the Special Attntion Account, then i ask my frenz who work in bank help me to print the C tos report, but there was nothing records under my name or ic....
So, my question is,

1. How could the HSBC and OCBC didn't reflects in either C cris or C tos report?
2. Is it means if i fully settle only MBB and CIMB, then after 6-12 months, i can start apply for all bank's facility?

Thanks lot for answer...

hi,
i need help on ctos.i try to make a pl before this but the bank said i got a ctos record and im blacklisted.i never know about it until this time.

my question is, how come my ccris record is clear but i got ctos record?i never received any letter of reminder since the past 10 years from anyone,any bank regarding any legal action on me.

fyi, i already make a biz loan with one bank twice within this past 5 years with no problem and never mentioned about any blacklisted..but each time i try to apply for cc and pl all got rejected.none of the bank tell me why i got rejected until this officer who help me with my latest pl saying tht i got ctos.

i already call ctos office regarding this matter.they ask me to walk in and do my enquiry and to check my status.how the hell im going up to k.l just to check my status on weekday while im working.i lived 100miles away from klang valley.this ctos really really pissed me off.

is there anyway that i can know my status without going to their office and without send them the enquiry letter tht will took 2-3 weeks for them to reply on my status?

also, will bank strictly define u as blacklisted when u got ctos record and not ccris record?will u loose all the bank facility like pl cc or others just bcoz u got ctos?this is cruel..i never know about this till today and still i never know on wat case that im blacklisted..please help me out.

thanks

For bankruptcy issue, is it true it will be remove after 10 years?
Or not? as in even without paying or settle the debt

thanks for ur answer.this is cruel.i lived my happy lifes before this but now i feels like someone stalking me.more worst idk where did i do wrong.

no wonder my pl rejected.issit possible for me to apply for my 1st cc?tq

hi,

i would like to know, how bad it is being in CTOS, because of RM2k, from P1  defaulted due to I already have my termination notice 2 years ago, and yet they still charging me and wanting me to pay for it.

What can I do to clear it?
Through which legal channel?
How much does it affected your loans application?
How much longer does it takes to clear CTOS records?

Thanks in advance.

sorrie...tis question might be asked before, but cant really get the answer: if a person with bad CCRIS record - can apply for supplementary credit card?

Hi, i was trying to open an investment account in a bank today & got surprised that I was blacklisted. I went to check at CTOS straightaway and found that my record was actually clean, can I know why am I blacklisted in "the" bank's record out of no where? I got the copies from CTOS & thought to go back to the bank and ask tomorrow..

I buy a car yesterday,the today the bank call and say they cant approve my loan bcos i have CTOS RM50 and should pay it to tt.com, i never heard tt.com, what should i do

I just returned to Malaysia after about 14 years abroad. I am now getting everything together. I went to CCRIS and everything was fine. I checked on CTOS and found 2 items outstanding. One was a house loan that the person I asked to take care off ignored. The house got auctioned and the bank debt was cleared and the remainder of the money was returned to me. I am not sure why this is still on my record with CTOS. The second was was someone else loan that I was a guarantor to. He bought a sewing machine with Singer back in 95 and had an outstanding payment of RM$1290. Unfortunately as a guarantor, my name was on the court proceeding.

Neither of these are of any credit card loans and one has been settled, while the other is not my loan. My question is would these effect my Credit card application.

will frequent bounce cheques from the current accounts affect CCRIS and CTOS record?

This has been one great thread on finance. In the end, lesson is, manage your finance properly.

I've had a bad start thus a bad financial reputation for the past few years, settling it wasn't easy. All started with an "innocent" 5K loan which I defaulted (this was 7 years back) Which ended up me having to pay 12K settlement and still have my credit report showing bad. Then, i have one credit card, an amex. Other than that, have been juggling with life just to make ends meets. Recently, I managed to settle what's remaining of the past 7 years of financial misery. I though it's a clean sheet for me now. for 2 months free of any loan repayments or bank calls. However, I decided i need a new transport as my current one is getting to the stage of uneconomical to maintain.. and guess what.. Loan rejected.

Not sure why, 60K loan and I earn 6k per month, with no commitments, and only 1 charge card (which is a company card). I guess it's the old records haunting me eh.... Maybe I'll just have to wait for a couple of months before the creditors finally agrees I'm a changed man (financially). Life's a b*tch.

My advice to youngsters, fresh grads, hold back the temptation for a fancy new gadget, nice expensive car or simply ez cash. You're like a clean white financial cloth, only stain urself with what u can clean up... if u jump into the mud, it's a struggle to get out.. and then, there's cleaning up the mess...

I already make full payment and have settlement remark in my ctos...but how long it takes for ctos to clear it from their system?

Useless this ctos already making a lot of money destroying people's image. After you finish off everything you still have to request them to strike off your name?

Oic. Anyways, never ever want to deal with them. Just taking opportunity on people's downfall!