thanks. I have access to eccris. Just sharing to bro @jiwaman and @getajob

This post has been edited by Kiefer: Feb 14 2021, 08:13 PM

CTOS, not sure. I apply for access at least 1 year ago, nothing came back to me. So no access "yet"

chances depends on which bank i think. better chances if the bank has no bad record with.

Payment in arrears means that not yet pay / late. If you skipped one payment, or less, then it shows here.

after you have cleared or settled, the bank has to update BNM. it is updated/refreshed on 15th of every month
I would suggest you have a current record of your ccris report, I have seen some that has >0 numbers in the months columns, which would foresee needs some extra time to clear.

For withdrawn, it will be different case as still owe or paying to the bank.

HSBC, maybe you try call the officer you dealt with and tell them to update ccris.

I have trouble with HSBC previously too but on different case.

such a bank. Anyway, today go closed saving with hsbc. Not using for like >1 year.

Congrats !!!

As I recalled, during my time, there is no notification from akpk. Some banks will mail you (eg ct bank) as I overpaid. So I frequently check the customer portal and there is/are letter on settlement as well as can see the amount of payment lesser until all done.

Can. I just tried using chrome but need to enable desktop view in chrome.

I did not have this pop up though and no survey too.

This post has been edited by Kiefer: Mar 17 2021, 08:38 AM

Have you checked current ccris? as I understand if you apply for a credit/loan, it will show up in ccris as well as status. As a record history of application of credit, so if there is a rejection, it will impact your next application. So don't rush apply.

(Info from internet search below)
All applications in the previous 12 months for the borrower under:
• his own name;
• a joint name with another person;
• a name of a sole proprietorship; or
• a partnership or a professional body.

Shows the amount of applications and their statuses - whether approved, rejected or deleted.

no no no, having credit card does not give better credit rating. Have it clean will be better.

when you apply for housing loan, it is still up to the bank to accept or not. So first get to the bank that you have been clean with so far.

As usual, they will ask about latest salary slips etc, and they do call for 'interview'.
my recent home loan, the bank asking questions like:
1. have FDs? i said yes, providing them the certs
2. have share investment? no, only public mutual
3. have credit cards? no, as now have debit cards, prepaid cards and e-wallet
4. latest month salary if have.
5. bank statement that salary is in.


Ya.. depending on how stringent the bank is, hopefully got linient ones.

As i mentioned, see your latest ccris report if have any credit application history record. if have and status is rejected, then you might need to hold on for a bit until it is cleared.

mmm, ccris is cleared which is good, but i wonder why the application for credit has no record though.
Do keep track which bank you applied and rejected.

As shared by other members here, go for the bank which u have not liaised with is the best option. Maybe housing loan is better for them now compared to CC as many HOC promotions etc.

I am curious too on this, but maybe start saving for FDs in your targeted bank for your housing loan to build the rapo.

If you planning to get new house, the participated banks would be better and easier i foresee and these participated banks may have promos on free legal fees etc.

just my thoughts and i could be wrong here.

I used chrome, sometimes it needs a bit more time to show up. it shows grey screen and i reload the page n it showed

maybe egde or internet explorer?

Sorry to hear this....You can call akpk for advice. Maybe there is a way.

On the other hand, if u can get isinar, as an option to buy sometime for you to go get new job too. Just a suggestion.

This post has been edited by Kiefer: Apr 1 2021, 01:27 PM

Don't kill yourself bro. Life insurance wont pay too. your kids and family are the one that pushes hope for survival.

it is tough as I / we know the pain. Get some simple job to start get some $ in while searching for new job. You may get more new ideas to get some cash. Horse is dying, so walk until u can get another horse(s).

Sorry for late reply. Try my best to answer
If got extra, it will be for next payment for other banks. If have cleared all, still have balance i think akpk will refund back.

Try call akpk customer care to ask.

If loan done, bank wiuld provide settlement letter. Not sure what is new process if there is. My time, bank provide release letter i will upload to akpk. Bank will also do their part to update akpk.

Yes, the bank will do it. If u have letter, upload to akpk.

Not sure if this citibank is the last bank you have with akpk. If yes, then no need to pay, but akpk will still send reminder to you.

I think you can pay the usual amount (just to avoid akpk trouble you). the extra amount akpk pay to citibank, citibank will refund to you. citi will send you a letter of overpaid amount so you can bring to branch to redeem, but this takes some time to get back. If i recalled correctly, citi pay me back like 1 month after i get letter to the branch to request refund. What inconvenience.

i was thinking, if pay less, akpk would not know which bank not to pay in their process even you told them.

This post has been edited by Kiefer: May 3 2021, 08:46 AM

2-3 years ago, this is what citibank for me as i need to go nearest branch to get refund plus my address has to be updated beforehand too.

now I am not sure what is the process if there is any new ones, possible some members can share some.

heard Citibank want to move itself out from SEA (if recalled correctly), so not sure any impact ler