About CCRIS (Apa itu CCRIS)

posted by Khairul in July 13th, 2008 
in Bank Negara Malaysia   Tags: ,

CCRIS = Central Credit Reference Information System

SUMMARY CREDIT REPORT

The Summary Credit Report displays summarised information relating to the customer’s current and potential liabilities arising from credit facilities obtained from the financial institutions in Malaysia. The liabilities include those where the customer has obtained borrowings of its own, liabilities of joint-accounts, sole proprietorships/partnerships/professional bodies in which the customer is an Owner/Partner of the business. It also includes liabilities where the customer is a guarantor for other borrowers.

How to check my CCRIS?

If you stay within Klang Valley, you have to go to Bank Negara at Jalan Dato’ Onn. Go to Blok D, ground floor, and you just need to show them your Mykad. The Service Counter will verify your Mykad, and you need to fill in a from. Depends on numbers of customer, you will be called and they will ask you whether this is your first time or not. If not, the consultant will give you detail explanation on how to read the Detailed Credit Report as attached below.

If you stay out of Klang Valley, you can get your CCRIS report by post. Call BNM LINK to know more details.

From report above, you can easily check whether you have outstanding amount or not for every of your loan or credit card. If you can see other than number 0 in CONDUCT OF ACCOUNT FOR LAST 2 MONTHS column, especially for last 3 months, then you will get problem when applying any loan.

This report only can be provided to you by Bank Negara once per year

Juliana Zainal

CCRIS Ruin my Life.

I want to work, but my name is in CCRIS, most of the company did not want to hire me because of CCRIS list. What I am going to do?? How am I suppose to clear my debts if NO company wants to hire me???
It is not fair. I am a graduate worker, i have diploma and bachelor degree in computer science. Now Im pursuing my master but yet, i havent receive any job offer from any company. I only went for an interview and then, they ask me to clear my name in CCRIS before I can apply again to their organizations. When I ask why, it is a new rule from Bank Negara Malaysia!! What is this???

Everything ruin just because of my mistake using credit card.
Help me, can anybody help me. Instead of apply from loan shark to clear my name in CCRIS, can anybody advice me what to do??

Expert in Jobless


August 6th, 2008   

Really surprised when you said about the new rule from Bank Negara. I thought only financial institution could have authority to check CCRIS status.

Anyway, the most important now is to clear your record in CCRIS. As what I confirmed with BN last year December, our loan record will totally be removed from CCRIS 40 days after we did full settlement for that particular loan/credit card. So our bad history will be deleted from CCRIS once we did full settlement. So now, you have to find out how to make full settlement or to get cash.

With my small knowledge in financial, I would suggest you try these two;
1. Apply Balance Transfer. Transfer outstanding amount from current credit card to other bank. The interest is lower than 18% p/a. Once approved, the bank will make full settlement to your credit card’s bank.
2. Apply for Personal Loan. Once you received the cash, make full settlement to your credit card, then terminate your CC.

But since you’re jobless, you might need a guarantor to do these. Even all bank now will refer to your CCRIS record, believe me, sometime it depends on budi bicara bank. I had applied for personal loan before with my degree certificate because I have outstanding record in CCRIS. So why not you try apply these at several banks in the same time.

So Good Luck!

Maybe other reader who know better can give better advise :)


August 7th, 2008   
FIRA

saya ada masalah citos, dulu masa blajar matrikulasi ada beli linguaphone, tp dia cakap harga RM150, tp lama2 saya x bayar..sekarang name dah blacklisted..mcm mane ni?tak tau nak wat ape..mase dia blacklist tu amount dia dah mencecah RM5000++…susah nak wat loan beli kereta


December 2nd, 2008   

wah Fira…biar betul…dari RM150 jadi RM5k++…mesti lama ni…blacklisted tu bank yg cakap bgtau ke atau memang ada dapat surat lawyer?

ok, saya takde pengalaman dengan CTOS ni, tapi apa yg saya tahu, nak lepas dari CTOS, kena settlekan hutang yg sangkut tu, then bawak dokumen full settlement ke CTOS…so CTOS akan update rekod based on your document (setahu saya CTOS tak delete)…after that, you’ve to wait few months (6 months?) until you could apply for new loan.

cuba tgk sini => http://www.ctos.com.my/


December 3rd, 2008   
firdaus

sy ade 3 crdt card..semua nyer da nk hampir limit…ade 2 card slalu jer lmbt bayar…and kereta pon slalu gak lmbt bayar…kdg2 tu bayar x cukup…igt thn ni nk beli rumah..adakah name saya akn disenarai ccris??


January 7th, 2009   

even satu bulan sangkut pun akan kuar dlm ccris


January 7th, 2009   

Susah nak cakap tentang CCRIS/CTOS ni.. Dasar sebenarnya adalah utk membantu pihak institusi kewangan utk membuat penilaian samada pinjaman kita boleh diluluskan atau tidak.. Namun kini ia dah menjadi rujukan utama dan satu garis panduan serta undang2 & prosedur baru utk meluluskan pinjaman.. Di sinilah bermulanya ‘loan shark’ ini mengambil kesempatan.. Siapa yang perlu di persalahkan pun tidak pasti.. Kalau kita yang menjadi Bank pun kita sendiri was-was utk memberi pinjaman kepada seseorang yang mempunyai rekod dan sejarah pembayaran pinjaman yang kurang baik.. Namun sebagai pengguna kita seolah-olah teraniaya dgn sistem yang kita cipta sendiri.. Yang kaya makin kaya,yang susah makin susah.. dengan wujudnya sistem ini,sekali terjerat/terperangkap,seolah tiada jalan keluar,siapa akan bantu kita..? Penyelesaian meenggunakan pinjaman peribadi adalah kaedah yang terbaik,namun tak semua bank boleh berikan pinjaman sekiranya kita ada CCRIS/CTOS,dan sekiranya kita dibiayai,adakah cukup jumlah kelayakan pinjaman yang di berikan itu utk menyelesaikan baki hutang kita..? & sekiranya ‘jobless’ bagaimana nak memohon pinjaman tanpa sebarang dokumen pendapatan..? Terdapat satu kaedah lagi iaitu melalui Pinjaman Koperasi,namun syaratnya mestilah bekerja dgn sektor kerajaan… Jadi siapa sebenarnya yang dapat membantu kita… Adakah salah sekiranya CCRIS/CTOS ini merupakan satu bentuk penindasan terhadap kita…?


January 11th, 2009   
zana

En. Khairul,
Kalau nama ada dalam list CCRIS/CTOS, adakah loan ASB akan diluluskan?


January 13th, 2009   

zana,

itu saya tak pasti..sebab saya sendiri tak buat loan ASB…layan OD ASB jer..:D

tapi yg saya tahu, kebanyakan bank guna sistem auto untuk submit app loan..jadi sistem akan automatik check CCRIS rekod, then baru boleh proceed

lain pula dgn OD ASB, sebab kite cagarkan sijil, so requirement nya tak mcm apply loan..melainkan bank tukar policy


January 13th, 2009   
hafiz

CCRIS/CTOS menjadi beban untuk kita xda jalan peyelesaian ke? betul kate azreen…

Comments about CCRIS

January 15th, 2009   

masih ada jalan penyelesaian…dh ramai yg boleh lepas dari CCRIS/CTOS…yg penting usaha dan masa

saya sendiri masa mula2 nak start financial planning sangkut kat CCRIS…tak bleh nak apply loan utk buat platform…jadi terpaksa la usaha settlekan payment yg tertunggak dan kemudian tunggu sehingga bank boleh terima app loan semula…setengah tahun jugak makan masa

cth dlm CCRIS ade 4 payment tertunggak…jadi kena la usaha supaya anda boleh bayar 2x payment setiap bulan selama 4 bulan…lepas tu rekod dlm CCRIS akan jadi 0…kemudian kena maintain (dan patut pun maintain) bayar ikut jadual…lepas 3-6 bulan, bile bank dh nampak rekod CCRIS maintain cantik, baru boleh apply loan semula…so yg penting kat sini usaha dan masa…kalau takde tekad untuk berubah, sampai bila pun akan jadi penghutang

tapi kalau case yg lagi kronik….mcm tunggakan smpi berbelas ribu, kena la cari alternative lain…pinjam keluarga, guna nama keluarga buat pinjaman, gadai atau refinance harta yg ada…yg penting komitment kena tunjukkan, supaya orang boleh bagi peluang kat kita…asalkan jgn berhutang dengan ahlong

bagi jobless atau yg keje tak tetap nak apply loan, ade juga caranya, yg memang org pernah buat….mintak isteri / kawan / family masukkan gaji diorang kat saving account bank kita…lepas tu kita kuarkan dan pulang balik pada mereka..ulang selama beberapa bulan, then baru applly loan…yg penting bank nak tgk ade tak income tetap masuk ke dlm saving account (sebab takde payslip)

jadi kalau kita faham bagaimana bank menganalisa kewangan kita, for sure mesti ada jalan…tapi kalau dh takde jln juga, refer kat AKPK lah…kalau boleh jgn, tapi kira jln terakhir

maafla kalau komen saya ni pasal benda yg korang sumer dh tahu…just share based on my experience and knowledge yg tak seberapa


January 15th, 2009   
kevinc66

Hi, got burn by CCRIS. I totally have no idea such things exist in Malaysia. When i tried to apply for a personal loan with EONbank and HONG LEONG bank was immediately rejected the next day.

Applied by IC, 3 months payslip and EPF statement. With an income of RM4500.00 and contribution to EPF at RM498.00.

I was really pissed off when they rejected my application.

Then i found out the real reason. I had a Maybank CC in 2008 and repayment was really lousy, not prompt at all. Eventually it was cancelled by the bank in September 2008 but was setteld in full by October 2008.

I applied for a loan in Dec 2008 and was rejected. Now is January and i tried applying for another personal loan. But this time as a self employed. I am a director of a SDN BHD company and with a turn-over of 120k per month.

Hope this time no problem. I just submitted the form 2 days ago. Keep my fingers crossed XXX.

Thanks
Kevin


January 16th, 2009   
CCRIS88

En. Khairul,
I just find out about CCRIS when I refinance my home.
The application was rejected thought with the support letter from the bank that I difault in payment. I had been a very good paymaster to my current home loan (the same bank that I am refinance my home.
The refinancing of my home was to reduce the current interest rate and with the balance money is to settle the outstanding payment.
Without the loan, I am still stuck in the financial crisis.
At the same time I am withdrawing from my KWSP to ease my monthly installment for my home loan.
En.Khairul, please advice as I am in the maze trying to get out.


January 16th, 2009   
kevinc66

Banks in Malaysia are really very cautious lot. Just a slight default in payments, you are in trouble.

Hope my loan this time will go through. If not i am in deep sh*t.


January 17th, 2009   
kevinc66

En Khairul,

Is it really comfirmed that bad CC repayment will be removed from CCRIS database upon full settlement after 40 days?

My Maybank CC was settle in OCT 08 and now is Jan 2009. Wonder if it’s still in CCRIS?

Thanks


January 17th, 2009   

CCRIS88,
ya, bank will not only looking our payment history with their bank, but the whole payment history which is available in CCRIS

so even if we already clear our outstanding payment, we have to wait few mths after that until we can apply for new loan…that’s based on my experience


January 17th, 2009   

kevinc66,

yes, that’s what Bank Negara told me last time..but they told me too that the result in CCRIS is based on data sent by each bank..so if the bank delay on updating it to BN, then it might still appear after 40days.


January 17th, 2009   
kevinc66

hi Khairul,

You think that my CC history will be removed from CCRIS? Full settlement in Oct08 and received comfirmation letter from Maybank of full settlement and case closed.

Now is January and i am getting really restless and anxious now. The more i check the internet, ithe more i get confused.

By the way i also have a housing loan with Stanchart but the repyament is tip-top only my previous CC. Will the bank take into consideration?

Thanks in advance.


January 17th, 2009   

i had the same problem with you kevin, submitted my application for OD but get the answer yesterday from the bank, unfortunately it was rejected by CCRIS.

just my advise here, i know the reason is because of my OCBC CC, my fault was never open the statement after paid all the outstanding balance

imagine, on december 2008 i went to OCBC on KB Kelantan, to do BT my other CC, suprised the amount from rm1 goes to rm34, mean there will the a stage that bank will charging you rm10 as interest.

will bare in mind for future, lets stop interest from the bank, to Kevin “Happy Chinese year”.


January 23rd, 2009   

kevinc66,
so sorry..I was overlooked ur latest comment
ya, by right it will be removed, but CCRIS record could delay 1 mth…so if it still appear in CCRIS, u can use the full settlement letter to show to bank as a prove when applying for a new loan…”Happy Chinese New year”

Ishihara-kun,
wow…Japanese also start visiting my blog :D
you’re right bro..we always need to be carefull with bank’s T&C…everything will be charged


January 23rd, 2009   
NizamJB

The moral of the story is.. don’t take your monthly loan/CC/Hpurchase repayment lightly..

I’ve been down jobless for 3 months last two years but I made sure that I don’t miss any repayments to any banks.. i used my kid’s savings to pay them off, then when I’m on my feet back, I pay off my loan with my kid.

Luckily my kid didn’t report to CCRIS..hehe


January 23rd, 2009   
kevinc66

Just updates a bit. My applications with EONbank, RHB and Hong Leong bank was rejected. Fortunately for me, my UOB were approved and it’s only 10k. Wonder why foreign banks view loan application differently.

I actually applied 6 banks just to be sure. Now CIMB and OCBC no answer yet.

Thanks


January 28th, 2009   

well now i am trying on other bank which is CIMB,there is pro and con between this 2 banks RHB and CIMB, but need to apply it ASAP,else will paying interest to bank more and more

i am just a salary man, see the way and focus on it, hope life will be better after this, 39 my bro for this all informations.hehehe


January 30th, 2009   
kevinc66

Hi Kairul,

Maybe i would likes to have your advise. I wants to drop by at CCRIS in Kuala Luampur and do a check on credit ratings and the only possibilities wouls be my Maybank CC last year but settled in full in October. Probably i was not updated by Maybank to CCRIS. This could be the only reason why most of my loan applications was rejected.

Can i made a complaint to CCRIS or show them the full settlement of my CC letter to them and request CCrIS to remove my CC repayment history from the database??

Thanks in advance.


February 1st, 2009   
kevinc66

Just got a comfirmation from StanChart sales rep. Apparently BN will erased your detail of default payment from their database only after 6 months. If you have settled your debt in full.

Thanks


February 6th, 2009   

kevinc66,
have u called or refered directly to Bank Negara?..because for my case last time, I’ve been told that my record will be deleted in 40 days

so my suggestion, before u go to Bank Negara, why not u make a call to them first..see here for their contact number => http://www.bnm.gov.my/bnmlink/index.htm


February 6th, 2009   
kevinc66

Hi Khairul,

Yes, i will do that and call up BNM to comfirm. Will post here as so as i get the info.

Thanks


February 9th, 2009   
TombStone

En Khairol
Saya x tahu samaada saya tergolong dlm golongan “financial Problem” atau x , kerana saya bukan peminjam card kredit,loan ruman payment cun macam fasha sandha, Car payment seksi cam angelina jolie tapi sya terkena ngan kawan sendiri cam beruk tolong belikan kete guna nama saya (kwn baik la konon) skrang keta dah lelong dan outstandings kalau x silap 3K . adakah interest terus dikenakan sampai outstandings settle atau sampai satu tahap stop ? (lelong
since 2004)saya teringin jugak nak tukar keta atau beli rumah satu lagi tapi belum penah cuba lagi pasal dah bulih agak misti reject walaupun saya mampu. moral of the story - Jgn percaya kawan.. boleh jalanla..


February 12th, 2009   
Azie Hazrie

Sy dlu pernah pakai credit card aeon..then lama gak x bayar…now sy nk refinace rumah boleh k?and cmne nk clearkn blacklist..kalau sy ni dh black list laa…


February 12th, 2009   

TombStone,
utk case lelong ni sy tak pasti samaada int akan dikenakan atau tidak..nak tahu, better call bank, atau pg check CCRIS record kat BN (Bank Negara…bukan Barisan Nasional :D )..yg penting nya baik u amik langkah cepat, sebelum makin kronik
___________________________________________

Azie Hazrie,
kalau outstanding tu kuar dlm CCRIS, memang tak lepas wat loan…kalau blacklisted/CTOS lagila..nak clearkan blacklisted, sy takde pengalaman…tapi dari info yg org lain kongsi, wat full settlement, bwk surat full settlement tu ke CTOS, suh diorang update rekod..kat sidebar blog ni ade link ke CTOS…ade sedikit sebanyak info disitu


February 12th, 2009   
TombStone

En Khairol,

Tima kasih atas nasihat anda,memang terlintas dhati nak buat sesuatu tapi otak pula xbagi pasal rasa cam ishk..buat ape aku nak cuci tut..(dtapis 18sg) hu..hu camtu la rasanya walaupun amount tu x banyak mana.


February 13th, 2009   

TombStone,
nak wat camne, dh terkena…nak taknak kena clearkan jugak..bukak buku baru..yg dh lepas tu toleh sket supaya kite beringat..takut int tu beranak jer

pernah ade sorang girl share dlm post mane ntah dh lupe..dia ade hutang ape ntah dlm RM400 lima tahun lepas…skang dh jadi dlm RM5000…bape kali ganda dh tu!


February 14th, 2009   
TombStone

En Khairol,

Kalu camtu terpaksa la saya jumpa pegawai Bank tu kot2 buleh nego nipis lagi yerk??, 400 jd 5000 memang melampau..hu hu cian awek tuh!!.


February 17th, 2009   
BurnME

Hello Khairul,

I’m very impressed on your knowledge in banking materials.

Ok pal, I’ve little question for you. I believe certain bank accept the application if your salary is more than RM3K and thats providing the the total shortfall is not more than 30K. That means it is equal to salary X10 which is one of the criteria set by the bank. But lets say if this person wants to take up the same type of loan and Salary is about RM2600; and wants to take up loan for RM25K.
Will it be possible?

Take your time, pal!

Cheers!
BURN


February 17th, 2009   
Wazir

BurnME,

It’s not necessarily you’ll get 10x PL of your salary. It’s all depend on your credit rating, finance commitment (bank usually approve commitment of less 40% than your salary, but depending on CCRIS records as well, especially in this chaotic economic climate bank will definitely taking extra measure to ensure they will get their money back).

Regarding 2600 salary and applying 25000 of PL, if bank approved PL amounting of 26000 surely you could negotiate with the bank to get 25k of loan. At the end you are the one who will sign the offer letter n serving the loans.

Wazir


February 17th, 2009   
BurnME

Make sense though…

But this is something that I already know. (Sorry, no offense) My concern is for those whom are blacklisted. I do see some of them get their way out of this. Very Quietly… Its happening. But they meet this criteria of “3K” and total exposed debts within “30K”. So, is this 3K is playing the “must” criteria for this 30K(So called max Blaklisted debt amount)??

No offense Wazir, I just rephrase for my better understanding. I appreciate your view.

hmmm… what say Khairul?

Any comments?

Regards,
BURN


February 17th, 2009   
Wazir

None taken. I have no idea on the blacklisted thingy though. Just thought blacklisted equal to ~~ no more loans from banks. Will ask a bank staffs later on.

Wazir


February 17th, 2009   
aishahfattah

Hi all,
Any idea how to deal with EON bank for NPL account. Can request for any revision of payment after 2 yrs not paid and also have been declared bancrupcy? TQ


February 18th, 2009   
tara

hi all,

i would like to share my experience with debts.

soon after i graduated, i bought a house and car (with the help of mummy of course.. as guarantor). i was only earning RM1700 at that time, so i took a CC in 2004 to help me pay my other expenses. Little that i know, i couldnt afford to pay back my CC. and eventually stop paying when i reached my credit limit (rm6k), within 6 months usage. at the age of 23, nobody has actually advised me how to deal with my debt so (like any other kids who got into trouble) i ran from the CC bank. FYI, ive was also a bad paymaster for my HousingLoan but accept for my car Loan (dont kno why.. probably because it was the least payment of all i guess).

in 2007, as things got better and i became more wiser (sometimes missed my houseloan payment still tho.. hehe ) i stopped running from my CC bank. the ‘collection dept’ (as what my CC bank refers to) has agreed to let me start paying RM400 on a monthly basis. by then, i owed the bank RM9000 plus instead of the initial RM6k. I have been paying RM400 religiously without fail as per agreed for about 16 months.

FYI, ive completed my CarLoan (Jan 2009) and as for my Housing Loan, last year i used an amount of my EPF to pay my outstanding bal for my housing loan and since then, have never late on its payment.

Now since i am more stable, about two months ago, I called my CC bank. Just to check on my outstanding bal. It was still about rm4K. i thot it was too much. i cant afford to be in bad debt at the age of 29 bcoz of my young adult ignorance before. ive been paying RM400 so it should be way lesser than that. bank told me, the interest is the main culprit. so i told the bank that i want to clear my CC and requested for a rebate. to my surprise, they requested for RM990 instead of the rm4K. which is about approx total of 2 months of my current CC monthly payment. i didnt think much, and deposited the money there and then. i have made a full settlement on my CC.

now, i only have my HousingLoan and PTPTN to pay for monthly. i am surviving with a debit card instead of a credit card (for online purchases) and cash transaction for everything else. means no more spending on things which i cant afford. and i have even put some monthly saving aside in my ASB.

i am sure my name is listed in CCRIS or CTOS due to my stupid mistake last time. if only i knew about bebas-hutang website much earlier (if it’s here then =P).

definitely many have found this website very useful. keep it up.


February 22nd, 2009   

BurnME,
Based on my experience, its not only about ur salary, but your commitment and also your current financial.

Some bank will ask whether you are married or not, how many children do you have, other than your salary, any side income that you earn..etc..then they will decide your max amount for PL based on the result..so what I can say, it might vary by bank.

—————————————–

tara,
thanks for sharing…experience is the best way to learn


February 22nd, 2009   
Liza

Hi evryone,

I’ve learn alot from Tara, that it is troblesome if got stuck with credit card outstandings… I alwis over budget and spend over what i earned. Luckily my husband will help me pay.

I will from now on survive on cash like Tara instead of Credit card… Hope other youngsters do the same if don’t want to be connected with CCTOS or CCRIS.


February 26th, 2009   
lazamir

hi all,

Sapa boleh bagi pendapat. Saya dah join program AKPK since April 2008. 3 hari yang lalu saya buat permohonan untuk refinance rumah. But Bank bagitau kat saya CCRIS tunjukkan yang saya ada tunggakan CC selama 7bln. Sepatutnya CC ni pun termasuk dalam program AKPK.

Bila saya check CCRIS kat Bank Negara,betullah.So, saya refer pada AKPK perkara ni.Pihak AKPK bagitau pada saya, “AKPK hanya menjadi pihak ketiga.Bank tersebut tak boleh ubah sistem mereka,walaupun AKPK memang ada buat bayaran,tp kat CCRIS masih menunjukkan ada tunggakan. Sepatutnya Bank kena faham peranan AKPK. Ada bank yang boleh bg loan dan ada yang cerewet bab2 ni.”

Masalah saya sekarang, kebanyakan kakitangan bank sendiri pun tak tau apa itu AKPK (termasuklah yg uruskan loan rumah saya tu). So,sapa boleh bagi cadangan dan pendapat?
Thank


February 27th, 2009   
LemonKasturi

Lazamir,

Saya berpendapat, cuba tulis surat atau ajukan soalan ini terus ke bahagian khidmat pelanggan BNM.


February 27th, 2009   
BurnME

Lazamir,

Just to add on, if I’m not mistaken, AKPK are just the negotiator whom would negotiate on behalf of you with your debtors. Thei duty is to ensure your monthly payment or commitment towards your debtors are met and you dont get sued by them. Otherwise, they have no control on credit report updates. Though your monthly payment as agreed are being paid, but as long as the loan account is not being revised by your debtor then it stays with the same agreement. So you may want to check with your dedtor directly to see if they’re willing to revise the agreement or account. This based on my understanding. Correct me if I’m wrong.

BurnME


February 27th, 2009   

lazamir,
sy tak pernah deal dgn AKPK…tapi dari ape yg org pernah share, once dh join AKPK, akan susah nak apply loan dgn bank selagi program AKPK tu belum tamat

u should refer to this post => http://www.bebas-hutang.com/?p=331


February 27th, 2009   
lazamir

hi all,
first thank you so much atas pandangan n pendapat

i)Ada sikit pandangan daripada kwn2 aku.AKPK mmg ada buat bayaran,tp byran tu lewat dari duedate creditcard,so CCRIS akan tunjukkan yg akaun aku tertunggak.
ii)Drpd kaunselor AKPK,dia ada bgtau..loan mmg susah nak apply,but tak semestinya tak dapat langsung.Ada bank yang sudi jgk nak pertimbangkan permohonan loan dan sanggup tanggung risiko.
iii)Aku takde masalah nak bayar AKPK,but kita kena ambik peluang yg ada.Kalu nak tunggu AKPK habis,kena tunggu lagi 6thn.Dengan turunnya BLR ni,aku sekadar nak rebut peluang biarpun jalannya agak berliku.Setakat ni jalan yang aku nampak dan fikirkan,Refinance rumah.


March 1st, 2009   
eddina_14

Tara…Bank mana yg bagi you rebate sampai byk mcm tu? bestnye…i nak try jugak request kalau boleh.


March 5th, 2009   
antu_terlepas

got blacklisted for CC and car. but i’m trying to pay back meanwhile while applying for personal loan but was rejected few times. I just need to save time instead of paying more on the interest. can anyone advice me what is the fastest way to get my name cleared from being blacklisted? balance is just RM 5k for credit card n RM11k for car… so loan will be roughly RM16k only.


March 7th, 2009   
fasha

Hi Khairul n fellow frends,my age is 25 this year,however I was blacklisted due to my credit card,kalau tak silap last amount is RM 2500.00 (2.5K) tapi I mmg tak bayar for about 2 years.I nak settlekan hutang,tapi I dah sent email kat respective bank tapi no reply.Macmane nak buat ni????


March 18th, 2009   
fatt

hi,
i want to share my experience bout my CC debt..i had a CC when i had my 1st job..my limit was 8k but exceed to 9k and ever since the payment was poor i was blacklisted..
so one day an agency called me and offer me to settle my payment using their scheme, they offer me to pay rm5k instead of rm9k if i pay rm2k in advance and rm450 per month for constructive months till the amount is settled..
so i thought this is the best way to settle my debt and i took the offer..
and now everything was settled and i also received letter frm bank saying im debt-free and im so relief right now..

right now i dont even have interest to apply for any CC coz ive learn my lesson and i think cash is the best option so far..ive lost many years devoted my life paying my debts on that plastic money..had enuff now.


March 22nd, 2009   

hi fatt,
thanks for share the experience

until middle last year, i had debt with CC too..and was thinking will not use CC anymore once i could settle all the CC debt

but now, after find out the beauty of CC, i love it so much and using it almost everyday :D

——————————————-

hi fasha,
takkan email je?


March 22nd, 2009   
fatt

hi khairul,
what? beauty of cc? haha..its dangerous man..
for men maybe safe..but for women,its like drugs..coz women loves shopping..they just swipe & swipe though the amount is little..
remember last time when i queued at the counter, a lady pay some groceries for only rm11++ using the CC..i feel pity for her..felt like want to give my money coz she dont even have cash to pay that small amount..crazy! everyone queing behind her was mumbling..terrible..


March 23rd, 2009   
fatt

fasha,
i suggest u just call the bank and ask them to connect u to the credit issuance/control (if im not mistaken) coz this ppl is actually like debt-collecter..they will help u out to construct ur payment..they will guide u coz they just want to recover back the money u owe them.
tq


March 23rd, 2009   

wow..”but for women,its like drugs”..bahaya benor bunyinyer nih

maybe this quote suitable for this kind of people:

“When you know what you want, and want it bad enough, you will find a way to get it. - Jim Rohn”
:) :) :)


March 23rd, 2009   

- Hi lizamir, dah dpt buat refinance rumah ker?
- Kawan saya pun under AKPK jugak. Maybe based on income, PL dia dengan AEON pun tetap diluluskan. Tapi maybe amount dia apply kurang. Apapun, untuk AEON luluskan, mesti refer BNM CCRIS kan?
- Anyway, dulu bulan2 dia bayar RM2400 untuk hutang. Gaji cuma RM3000 ajer. Lepas masuk AKPK, dia boleh buat penjadualan semula untuk bayar hutang-hutang sehingga 9 tahun. Then, bulan2 cuma bayar RM1300 ajer.
- Dengan adanya lebihan RM1100, bolehlah ada income boleh guna untuk simpanan yang boleh digunakan untuk setel hutang2 kecil terlebih dulu. Snow ball affect katanya.


March 24th, 2009   
gamatmacho

I enrolled AKPK in Nov2006 consolidating all kind of loans right from house, car, credit card to personal loan amounting to RM5K+/month. I appreciated AKPK as it really ease my financial BUT I see a better way out if I can refinance my house. After months trying to refinance my house, I managed to get it through in Oct 2008 and with the cash I got I settled all the loans (esp CC and PL). Based on 2 pages (he he he) of CCRIS report printed from Bank Negara, I priotised which banks I need to settle first. For credit card most banks give me 30-50% discount except HSBC only 15%. Some are well below my principal. But this process took months and only in Feb2009 this exercise is completed. This is fantastic because I saved nearly 20K…If I were to continue with AKPK it will take me at least 3-4 years more. Hopefully by July2009, the CCRIS report will be cleared. I need to refinance my house..yet again because 2 things: 1) The bank only approved my loan @ 75% of market value. 2) The fixed interest rate is rather high = 7.75%. No locking period for this facility.
Hope this information is usefull to all of us. Lesson learnt: Berbelanjalah mengikut kemampuan sebab pinjam bank ni macam pinjam “angah”. Diaorang takder cat merah tapi ada CCRIS/CTOS yang boleh “membunuh”. Wassalam.


March 28th, 2009   
semang

congrats gamatmacho…it’s nice to know that you’ve settled that problem of yours…

Hope we all learnt a lesson in everybody stories in BH


March 28th, 2009   
YB Aris (yg berhutang)

Salam semua,

Nak tanya sikit, ada tak sesiapa kat sini yang ada experience nak apply PL tapi sangkut kat CCRIS?
Pernah tak you cuba nego dgn bank tersebut utk bagi approval? Setahu saya, CCRIS report serves as a guideline for the banks, tapi the final decision still lies with the bank. Correct me if i’m wrong.

This is my dilemma. I nak apply PL to settle my outstanding CC balance of RM14K. Tapi ada termiss bayar installment kereta last month. My application terus kena reject because of the default in payment. So sekarang ni I plan nak nego dgn bank tu harap2 dia approve la.


April 1st, 2009   

salam YB,
seingat sy pernah sy share my experience with CCRIS…skang ni kebanyakan, or maybe sumer bank guna online system utk submit any loan..that system link with our CCRIS record at BN..kalau ade bad record, memang akan appear dlm system..based on my experience, bukan masalah boleh nego ke tidak, tapi there is no way for them to submit as the system doesn’t allow due to our bad CCRIS record..dgn bank yg sy apply dulu, the submit button is disable/inactive

jadi dgn branch tak boleh nak nego…so sy nego dgn HQ..apply direct dgn HQ without go thru system..kena ade officer yg sanggup buat la…but at the end, tak lepas jugak


April 1st, 2009   
jlpd

Moral of the story orang-orang istimewa dan tersenarai dlm CCRIS ni nak tak nak kena la keje keras and usaha “membersihkan diri” tp persoalannya camna?

1.Sabar n kumpul duit skit2x ke tahap boleh buat platform OD.

2.Cari wakil “platform OD” biarla dr kalangan keluarga or kategori boleh dipercayai dan diyakini (susah nak cari tapi insyallah masih ada insan yg berbudi).

3. Guna teknik ODASB settle debt2x utk “bersihkan diri@nama dlm CCRIS”.

4.Bina balik jati diri, pasang matlamat “AKU TAKNAK BUAT SILAP LAGI” kali ni aku nak ada INCOME POSITIF.

Salam.

jlpd


April 1st, 2009   
Lynn

En. Khairul

saya cuma jadi guarantor loan kete dan supp cc dgn husband. kalau cam tu, nama saya ade ke dlm CCRIS?


April 2nd, 2009   
YB Aris (yg berhutang)

Trima kasih En.Khairul kerana share experience. I dah nego dgn bank tu tapi apakan daya dorang tak dpt nak tolong walaupun dorang memang nak tolong… mungkin sebab yang you cakap tu la, submit button kena disabled.

My next move is to try dengan bank lain pulak. Manala tau ada rezeki. Kalau tak dapat juga, kena la ikat perut sikit untuk bebaskan diri dari cengkaman CCRIS yang durjana… excuse me french.

Wassalam.


April 2nd, 2009   
gamatmacho

Most of the banks akan tenguk both CTOS and CCRIS. Setahu aku hanya MBSB yang tak tenguk CCRIS (hanya tenguk CTOS)..any other bank yang tak tenguk CCRIS?
Aku juga diberitahu ada bank yang hanya tenguk CCRIS but not CTOS, tak salah aku BSN, Bank Rakyat..anyone can confirm?

Wassalam.


April 2nd, 2009   
Hamsa

Hi, I have a problem with ccris too. only me, my husband’s name is clear. we want to apply for home loan and I am settling the debt with cimb ( personal loan). do you think the bank will approve the home loan with the settlement slip?
my full settlement with cimb is 6000. that’s the only debt I have. my monthly earning is 1850 plus my husband is 3700. it’s our first house.


April 2nd, 2009   
Sue

Hi, I just want to share with you guys about Ccris. My husband join AKPK 8 months ago.This month, my husband tried to apply for a car loan and found out that he could not apply for any loan because he had join AKPK. Then, What he did was he went to Bank Negara to seek for explanation, he found out that his records were all wrong.A lot of them have not been updated. He was told that he need to wait for another two weeks for them to update the record again.I just want to know why is it that if we join AKPK, we are not allowed to apply any loan after that. We have not bought any house and don’t have a car under our name yet. And just imagine with two kids growing up, we would not be able to enjoy our life like others do,even tho now we can afford it. No house and car for the next 10 years!!Do ….We are so so sad.


April 3rd, 2009   

Sue.. as far as i know, that’s how akpk works.. once you register with them, your will not be able to make any loan.. and one advice.. if you can save in ASB, you can free your debt by applying ASBOD method :)


April 3rd, 2009   

Hi Sue, dan juga yg lain

berkenaan AKPK, sila rujuk post ini khas mengenai AKPK..ade pros and cons dlm tu => http://www.bebas-hutang.com/?p=331


April 3rd, 2009   
gamatmacho

Hi Sue,
That why I pulled out from AKPK programme sept last year after 2 years with them. Pening pasal keta nak kena tarik…CCRIS record very2 bad..recorded 7 to 14 months..
When we talked to them, they said that is not their problem but point out that the financial body failed to update bank negara????@#$@ Cannot understand that…Infact if I saved the 2.5K/month for unsecured loan(exclude car/housing loan) for that period, I believe I can get better solution from the bank if we negotiate directly to the bank. My advise, do not apply AKPK unless we really do not have any way out, then AKPK will be helpful to stop bank from ‘harassing’ us. Anb bear in mine we difinitely cannot get any loan facility during this period. For may case, I have cleared (full settlement) all my loans in Feb2009…(note: In CCRIS report they will put a remark for each loan..UNDER AKPK) …and with that I’m not sure if by July2009 my name will be 100% clear from the system.


April 3rd, 2009   
Lynn

En Khairul

Belum jawab soalan saya. Tolonglah saya kalau you tahu. Saya cume guarantor dan supp cc ngan husband. Nama saya ade ke dalam CCRIS?


April 6th, 2009   
semang

lynn…. pergi lah check kat bank negara….free jer…


April 6th, 2009   
Lynn

ok la.. time kasih kat semang. memang tahu check tu free dan pakai pos pun boleh. tp tak de masa nak buat


April 6th, 2009   

salam Lynn,
kalau guarantor takde rekod…cuma kalau payment ade prob smpi kes mahmakah/blacklist, kemungkinan ade CTOS lah

yg supp CC tu tak sure…mungkin depend on bill atas nama sape…nak confirm, just call ke LINK helpdesk tu


April 7th, 2009   
Tara

eddina_14: OCBC Credit Card bank

Anyway for updates, I just checked my CTOS status today and apparently my name has no record of my CC debt before. Weird.. but I was relieved. Now, need to check CCRIS. Hopefully. it’s clean too. Planning to apply for OD facility in a couple of months when my ASB savings in enough.

Mr K, do you think bad CCRIS/CTOS records will affect the result for applying OD? Even though you have ASB savings as guarantee?


April 7th, 2009   

yup, they will check on CCRIS too for OD application.


April 7th, 2009   
dnon

sy tak sure nama ada dlm ccris ke tak..tp rasanya ada. sbb ada 2 cc pending for payment. repayment mmg teruk..banyak benda lain nak settle other than cc tu. the question is..kalau kita punya cc tu dia dah submitkan ke collector dia..mmg boleh ke dia collect payment di rumah? or is this some kind of scam? sbb i baru dapat call dari hsbc..dia kata one of the officers will come n collect payment bcoz of broken promises (janji nak bayar sekian date tp tak bayar).. betul ke?


April 8th, 2009   
gamatmacho

dnon,
Jangan bagi…mana boleh diaorang datang kerumah sesuka hati…please call Ms Jayamala :03-20742913 (HSBC) for help.
Back to my case with HSBC…when 1st time I asked some discount for full settlement (for my CC), Melaka HSBC Branch said NO SUCH THING!! I call HQ also the same answer..until I refuse to talk to anyone else BUT someone who can make decision..they put me to Ms Jayamala..even at very beginnning she says cannot but I insisted “IF YOU CANNOT MAKE DECISION, LET ME TALK TO YOUR SUPERIOR, IF HE/SHE CANNOT..I WANT TO TALK TO HIS/HER SUPERIOR UNTIL EVEN UR CEO LEVEL..I GOT YOUR CEO CONTACT NUMBER/EMAIL” kasi gempak sikit and finally she agree to review my case and come back to me several times with 2%, 5% and at lastly they gave me 15% discount.
You try contact her and ask about your CC status, she will tell u if ur account with collector or not. You can also insist to reschedule the repayment. I believe she will help u. Good Luck.


April 9th, 2009   
zara

Salam,

i’ve cleared all my outstanding with all the banks dec 08. i was told by the bank officer not to apply any loan for another 6 months reason bcoz it will still appear in CCRIS. actually i have no intention to apply for loan , its just i want to travel abroad n in need of CC, so i;ve discussed with alrajhi, they gave CC with RM20k limit but i have to maintain FD and CA/SA auto debit for my CC repayment, wic i dont have any problem.
and as for my car loan, i did the same. so far so good. only this bank want to solve and help me with my problem.


April 11th, 2009   
jlpd

zara,

well done, hope other can learn something 4 you.

anyway whois PIC at this alrajhi. Hope u dont mind to share :)

mat spanar


April 11th, 2009   
kevinc66

Banks really baffles me. Be it local or foreign. If you have read my earlier posts, then you will know that my loans was rejected a couple of times.

Shouldn’t it be the banks job to advise the client what to do when the application been rejected? What the customer can do or should do to clear their name in CCRIS or CTOS?

CIMB doesn’t even bother to call me about my application been rejected. Until i called up the branch and spoke to the girl who handled my aaplication. She said didn’t someone called about your status? He should, it about 3 weeks ago. I think your application were not successful. That all she can said.

Eon Bank, Hong Leong, OCBC, SCB rejected my application and no reasons given. It makes me feel frustrated, cheap and low-life. Like a beggar begging for give-out. They doesn’t tell you what’s wrong nor advise you what to do.

The bottom line, THEY DON”TS GIVE A SHIT ABOUT YOU!!


April 13th, 2009   
kevinc66

So called finance consultants. Just full of bull!!

Only UOB approved my loan for 10k. Why on earth anyone wants to apply for personal loans if they in the pinkest of wealth. When someone faces difficuties in serving certain defts or CC, most definately will have some defaulted payment in either housing or CC or car loan.

Once this shown in CCRIS, well brother you are on you own.!!


April 13th, 2009   
NizamJB

Well bro, that’s what banking is all about..

They’ll offer u an umbrella when the sun shines bright and they’ll snatch it back when it rains..


April 13th, 2009   
kevinc66

Right on! NIzamJB


April 13th, 2009   
pegaga

salam en khairul…saya juga ada problem dgn ccris ni bulan lepas saya nak apply ODASB tapi reject ccris ni di sebabkan sebuah kereta nama saya tapi company abang ipar yang pakai then tak bayar kete tu da lelong so diferent dalam 8k. en khairul ada pendapat tak yang boleh syer ngan saya…buntu la..kenapa OD tak leh aprove sedangkan kita da cagarkan sijil ASB huhs..


April 16th, 2009   

salam pegaga,
memang by right, sebab kite dh cagarkan sijil, patut bank boleh kasi lepas…tapi mungkin checking on our CCRIS tu dah jadi part of their mandatory process..sebab skang sumer guna online system…takleh nak elak

tapi kena reject sblum ni tu lepas apply satu bank je ke atau sumer bank yg ade offer OD-ASB?..kalau bank lain belum, try dulu bank lain…mana tahu ade rezeki…dan try juga branch lain…sbb process apply OD ni ade sikit berbeza mengikut branch walaupun under bank yg sama

next idea yg boleh sy bagi, kalau dah kawin, apply la guna nama org rumah…duit tu masukkan sumer ke ASB dia nak apply guna nama dia…itula ertinya kawin, kerjasama

tapi kalau belum, dan takde org lain yg boleh trust, duit cash yg nak wat OD tu terpaksa la guna utk settle utang keta tu supaya CCRIS clear…lepas clear boleh la apply semula


April 17th, 2009   
ajinomoto

en khairul..

just nk tanya nie, berapa nama kita akan clear dr ccris lepas kita settle sume utang? my husband di senaraikan ccris but dah settlekan sume utang 6 bulan yang lalu..adakah namanya akan clear?


April 20th, 2009   

Aku rasa pihak yang mentadbir Ccris patut di bubarkan. Menyusahkan rakyat saja.Aku dah sentel tunggakan kereta 2 bulan pun masih Ccris lagi.x pasal loan aku reject..aku sokong kalu puak CELAKA yang buat undang-Cris atau Ctos dihapuskan. Puak banggang ni memang nok mampus.Menyusahkan rakyat saja. INilah puak Celaka..Bank Negara pun sama je. ni semua puak Celaka!!!


April 20th, 2009   

Aku rasa pihak yang mentadbir Ccris patut di bubarkan. Menyusahkan rakyat saja.Aku dah sentel tunggakan kereta 2 bulan pun masih Ccris lagi.x pasal loan aku kena reject..aku sokong kalu puak CELAKA yang buat undang-Cris atau Ctos dihapuskan. Puak banggang ni memang nok mampus.Menyusahkan rakyat saja. INilah puak Celaka..pentadbiran Bank Negara pun sama je. ni semua puak Celaka!!! Kalu nak bersihkan nama org lambat je.tapi kalau nak bagi Ccris / blacklist bukan main cepat..memang bank negara ni jenis banggang..!!!


April 20th, 2009   
semang

relax brother…ini bukan negara pasir dua butir….bawak bersabar……


April 20th, 2009   
bluffy83

sabar2 Pasola,

bese laa tu, kalau kite da buat s

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