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

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oldpistol
post Oct 11 2011, 07:45 PM

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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.
oldpistol
post Oct 12 2011, 06:40 PM

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of coz i have...
oldpistol
post Oct 13 2011, 06:26 PM

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QUOTE(digitalz @ Oct 13 2011, 09:28 AM)
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.
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hmm.. any suggestion for 'friendly' bank to apply? tongue.gif
oldpistol
post Oct 14 2011, 10:10 PM

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QUOTE(digitalz @ Oct 13 2011, 07:44 PM)
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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haha. Hong Leong Bank declined my application.. Maybe my name not 'clear' enuf to apply any CC. Nvm.. thanks for reply.

 

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