I started this topic regarding some personal finance issue which always related to CCRIS, CTOS, blacklist by bank.

Since i been browsing and go though some forum and found that quit number of forumer having CCRIS,CTOS, blacklisted by bank problem.

may i know whats different about CCRIS, CTOS and Blacklisted by bank ? And how those system function?



If lets say one Guy who was having credit card outstanding balace for july rm 1000 (but previous outstanding balance = rm 0) , he did paid rm 500

before due date, so, is that he is under CCRIS problem ?



Dude who have knowlegde about those CCRIS,CTOS etc welcome to telling me

This post has been edited by yks8845: Jul 15 2008, 12:14 PM

@LittleBro

Thanks for you info, now i may understand a bit CCRIS, and CTOS.


@Hybz

If can, i think dont make late payment


@David 83

So, Base on ur view, Case in my statement in first post consider a "good" payer or not under CCRIS monitor ?

@happy4ever

That time i still in UNI thus not so concern about financial issue

@b00n, @speakeasy

guys, thanks for those Information , which very informative


@Hybz

u may try the step as Boon suggest.


By the way, I heard that CCRIS report only shown customer's credit

facilities for past 12 months. Is it correct ?