hey men ...

Im not sure if some of the followings has been discussed or posted here ..

apart from having the reports on your CCRIS and CTOS .. you should have the full settlement letter from the bank that you've owe the money ..

last time im having problem with my credit card .. the moment ive full settle the debt .. im asking them to sent me the full settlement letter as a prove record for my potential bank in case i want to proceed for any loan..

so far i dont have problem for my loan even i have a very bad record in the past ...... all comes with a prove that i have settled everythings with my previous bank ...

hope this wud help u buddy

Last time ... i have to wait for about 2 - 3 months after ive full settled the payment with the banks .... before I went for any loan applications, I've went to CTOS and CCRIS for checking up my record.

and since I've full paid the remaining loan, the black-listed loan is not appear on my CCRIS record ... but sumtimes, the bank is very late to update their record which I believe they will have a direct update to a CCRIS systems (and CTOS maybe) ...

When submitting my loan, ive given the officer together with a full settlement letter and my CCRIS record in case my application is rejected. But with supporting document I'd gave, i'm getting the housing + car loan that I've applied.. even the car loan was rejected at the 1st try.. but after re-negotiate with the officer, i manage to secure it....

nothing to be worried then, once all your record on those systems are cleared. I believe you should not have any problem then. Unless your current monthly commitment is more than 3/4 of your fixed salary.... hope this wud help you ...

p/s : bank needs business .. sumtimes they will lowered their risk profiling on their customer in order to get more sales ...... but im no banker .. maybe the real officer here can shed some light about this....

FYI ... PBB is one of the most strictest bank to apply the loan .. hmm ..

depend on your loan .. what kind of loan that r u looking for ? is it a car loan ? or housing loan ......

If its for housing loan ... for me UOB is offering the best goodies on their home loan package .... automatically u can get 70% of OD from your approved loan ...

but .. if you dont really have plan to use the money ... better leave it on the bank .........

for car .... maybe you can try EON bank ....... hmmm just my 2sense.. maybe other taiko or those who really know about banking sector can comment on this .....

cheers buddy