May I know when I applied new credit card, the bank will see CCRIS report or CTOS report? And when I get rejected, inside the ECCRIS the application will disappear, if I apply another bank’s CC, will the bank view I rejected by another bank? The CCRIS report will update by 15 every month, how about CTOS update frequency? What is the best timing to purchase CTOS report next month which can see the info until 30/9? Thanks in advance.