CCRIS, CTOS, Blacklisted by Bank, Whats The different.
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 Jul 15 2013, 09:19 PM
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#1
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Junior Member
12 posts Joined: Dec 2006  
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My credit report show 0 all the way
Check with CTOS n no problem but my personal loan application is still rejected. Anyone can give me s reason for this or should i go to BNM n check with them??? |
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Jul 15 2013, 10:22 PM
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#2
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Junior Member
12 posts Joined: Dec 2006
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QUOTE(ccvv @ Jul 15 2013, 09:34 PM) You don have to go to BNM, just ask the bank officer where u applied for the PL. Easier... But my banker said he dont know why it is but my credit currently is high due to wedding preps spending. So i cant apply for personal loan due to high amount of credit amount?Most of the time - these are the reasons... a. Insufficient income / high commitment b. Unjustified income docs c. High utilization of cc (maybe u make prompt payment every month, but used up to 80% or more of ur current limit) e. Low basic/highly depending on comm or allowances  Any advice for me guys? |
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