I have 2 credit cards which I've used for more than 1 year, but a loan officer called me saying that I have none, it doesn't show on CCRIS. So basically, I'm in the 'high' risk group although my bank statement and salary are in 5 figures with zero debt. I've never had any outstanding amount, and I've even charged the card to the max and pay it fully before the statement date.

This is a little strange. Why my credit cards are not in CCRIS? Because I pay on time?

Basically the bank is saying I should get myself in debt, only then they can lend me more money. 

have a question here..

im trying to get a car loan but got rejected by 1 local bank and now trying another bank.

my problem is, i have ctos  back in 2008 and not settle until now.

is there any chance i can get my HP loan since i am ctos? i dont have any other loan (personal, cc or whatever) except ctos by 1 private company because of buying their selfstudy set. and im sure i didnt have any record in ccris.

is there any bank that didnt check for ctos? 1 more thing, im using my father as a guarantor..how many percent is my chance for getting that HP loan?

thanks.

for the month 4 until now i am struggle to do a home loan,coz of i have a blacklisted by ctos, i paid all my debts and i trying to do a home loan
hsbs rejected saying i dont have any ccris so they cant give a loan,mbsb (bank tong sampah) give a reason that i paying all my debt for taking a loan    ( sure what), i dont know how to do today try few more bank hopefully i got that loan for a better life,,, 1 rumah 1 keluarga ?????  

hii, plz hear my problem.....

thanks in advance.

i have applied a loan to certain bank but rejected due to my previous unpaid loan. and my name  already in bank negara.
after i have make a full settlement for my previous loan.
is it possible for my loan to be approved?

How many months consider to CCRIS?

If I have credit card amount 5K, after i use may be over limit 5.2K, may be that month payment need pay 350 but i just pay 250, in this case consider CCRIS?

If I every month also like that, how is it going on?

If we didn't get release letter form bank, how long BNM will clear the CCRIS and CTOS record?!!

Hi,

Will a CC of less than 12 months usage not be reflected in CCRIS?I tried to apply a loan using CC record, but the banker told me that I don't have 12-months record for credit reference.

p.s. how to check how long i've been using the CC?totally forgot on when I applied for the CC, not sure when it will reach 1-year. 

how to check for ctos or ccris?
need to go where?

I don't know if this thread are the right place for me to know the answer. I have a problem with personal loan. Since i can't pay and now I receive the letter from court action. For information, i make a loan with RHB about rm 9000. So what should i do?if i don't attend the court, will i get arrested or what?i'm really scared..plzz help me