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

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simonhtz
post Aug 23 2011, 02:04 PM

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Joined: Jun 2006


Need some advise here:-

I have Diner's Club Card (corporate credit card), earlier this year, this card has been frauded (damn those fraudsters to hell), nearly 10k.

After reporting this to Diner's Club, they did some investigation and settle the case. This took about 3 month to complete and within this 3 months period, I did not pay a single cent to Diner's club...since this is not what I owe them.

Only recently, I applied for a credit card at a different financial institution. My credit card application was rejected. Upon interrogation, they stated that my application was rejected due to poor CCRIS.

Went all the way to BNM to inquire my CCRIS, and lo and behold, it is reported that for my Diner's card, I did not pay for 3 months...so, to the eyes of the bank, historically, I'm a bad payee.

I spoke two the floor staff at BNM, I was told there are two ways to go about if I want to have a clean CCRIS report:-
1. Cancel the damn card - I can't do this because this is a corporate card
2. Wait till late payment numbers being truncated. In other words, wait for a nother 9 months then I can apply for another credit card or loan

!@#$%^&*()

How do I go about to clear my name for this? I called Diners and f*ck them up and they are not doing anything, and worst, the customer service doesn't understand what I'm talking about.

 

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