AKPK, debt issue, anyone got a question to ask them?
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 Mar 23 2021, 06:14 PM
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#1
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Junior Member
20 posts Joined: Aug 2011 
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hi guys.. had cleared all my debt and release from akpk on nov 2020, did check my ccris ctos as well with clear record... but still failed to apply any credit card from most of the bank as my purpose to create some good credit record for sooner housing loan purpose... some told me need 6months time to eligible for CC or loan application.. is dat true or anything i can do to solve this?
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Mar 24 2021, 01:09 PM
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#2
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Junior Member
20 posts Joined: Aug 2011
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QUOTE(getajob @ Mar 24 2021, 12:54 AM) try apply those bank that not in ur AKPK list before... I got mine after 2 months released from AKPK. tried but still not success... like normal procedure or do u summit the release letter from bank as well? |
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Mar 24 2021, 03:38 PM
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#3
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Junior Member
20 posts Joined: Aug 2011
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QUOTE(tonyy2999 @ Mar 24 2021, 02:20 PM) Bro, i tot need atleast some credit record for loan application wud be easier? planning to get a hse soon within this or next yr.. so tot to do some preparation.Since you already cleared AKPK, why still wanna use credit card again ? nowaday you can use your debit card just like credit card, without the worry of overspending. stick to debit card la. some1 told me to place an FD so cud get the card easier.. but not sure if this akpk record effect my others loan application in future. |
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Mar 24 2021, 04:37 PM
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#4
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Junior Member
20 posts Joined: Aug 2011
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QUOTE(Kiefer @ Mar 24 2021, 04:29 PM) no no no, having credit card does not give better credit rating. Have it clean will be better. noted with thx.. i did check my ccriss, it shows clear.. without any record..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. just curious if it will effect my future application.. if yes den need have different planning XD |
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