After last year oct got problem with ccris and settled all loan, finally i managed to obtain car loan at 80k in nov after the officer appealed for my request.  Last week went to bank negara print ccris report, only owing car loan 80k which was just approved in nov last year, all 0000 and one cc which they convinced me not to terminate (limit is 5k).  All records show good in cc. 00000200001000. Still owing abt 4k and can fully settle 2 months later. The cc approved date was revised to nov 2010

Now I got problem here, my company will send me to India for training. I got to stay there more than 2 weeks or max to 1 months.  The company will request us to pay first and claim later.

For this huge expenses predicted, I called the cc to increase my limit and was rejected.  Now I will to apply another new cc but not sure whether I can apply successful or not.

My monthly pay is 7500, car loan instalment 1500 and outstanding 4k for cc.  Anyone can advise with my current condition, will I get the cc?

1) I have one cc long outstanding and turn to legal case already for 16k but the bank offered to settle at 8k. so, i settle the 8k by installment at rm500/mth. last payment was jan 2011. this is already reflected in the ctos.
2) 2nd case was long outstanding with cc also but converted to term loan. called the bank yesterday for finally settlement and make the full payment yesterday itself. i think since the amount is on RM800++, so this is not in CTOS but in CCRIS under 'special attention account'

for both cases, i still waiting for the release letter.
I plan to apply for housing loan, any chance for me to get one ? or i must wait. the developer want me to pay rm1k as booking fee (not refundable) . i worry i cant get my loan approved.

Advice please !