no. In the website bescribed, reg member can have free report x2 per uear, Jan and July.

I applied for 2 credit cards from PB and MBB last 2 weeks, and got rejected with no reason given. Then I checked my CCRIS from BNM, doesn't see any red flags such as any installment in arrears, and collateral type as 00(clean).

Only thing i found is that my statement balance is 90% of my credit card limit . Mostly is due to balance transfer spread over 1 year. However I consistently paid the statement balance on time, so this shouldn't worry them so much right?

Lastly, why does the report only show the Maybank 2 Card credit limit to be 50%, which by right should be 100% for Visa and Amex card combined?

Just wanted to know how bank evaluate Chris
For example, your income is 96k a year

You have bad records for 2 bank which is the amount is 20k

Do bank evaluate based on total you are allowed to owe and will borrow or approve you if below designated amount

I would say no - screenshot below in case I am wrong.


Also, the account conduct table also say unsatisfactory, but I don't understand why it is unsatisfactory. It also say I have a default (refer to screenshot below) which I don't understand as well. I have not defaulted any payment for the last 2 years.

I know it shows the default RM688.xx but I have no idea what default that is. As far as I know, i did not default anything. My outstanding credit summary also show I am paying everything on time. How do I check this default?