Here to share my experience,
I was in AKPK since year 2014, with accumulated total pl/cc at approx 40-50k
By year 2017, I left with 3 pl/cc at approx. 10k and decided to exit DMP program, to try my luck apply new pl/cc
The 3 pl/cc are, 1. RHB personal loan, 2. OCBC CC, 3. Maybank CC
3 months after exited DMP and payment direct to banks, still no good news on applying new pl/cc
Apparently in CCRIS/CTOS, OCBC and Maybank put me in really bad score which failed all my newly applied pl/cc application
Down the road, I slowly make full settlement to OCBC and Maybank
RHB was kind enough to allow me to make repayment at the same amount, and at the same time no more AKPK tagging in CCRIS
In year 2019, I tried to apply loan and it was rejected, due to new CTOS appeared
This was because my outstanding with Maxis was quite some time, and they decided to put in CTOS.. My CCRIS score was really nice however
Then recently I was just trying my luck applying CIMB CC, since my salary was directly bank in to them as well
With CTOS result, I knew it will rejected the application when it handle automated by bank, I ignore and submit cc application as usual
This round it was kinda weird, application was informed unable to accommodate my request, then next day I got a call from customer service that my application stuck in midway and they will help me proceed further
Today I received confirmation that my CC was approved and high CL was given!
Moving next stage is to start securing my mortgage loan, and to also clear my last mile of outstanding RHB loan as well as Maxis
Hi Wanna ask, how do you apply your credit card ? online or direct go to bank ? Thanks.