申请信用卡的困难

my_amulets

ocbc bank 最难申请
prefered plat 我都有了他也不批titanium 给我

小小滴商人

回复 58# 路人A


   你是说你有迟换的记录？

路人A

回复  路人A


   你是说你有迟换的记录？
小小滴商人 发表于 13-11-2010 08:29 PM

    对咯。。

小小滴商人

回复 63# 路人A


    难怪啦

银行的宗旨

一次迟还
百次不批

振益

我第一次申请卡时也被2~3家银行reject，后来去申请EON Bank，
结果他们接受了我的申请，他们给了我RM 2,00 ...
greateastern 发表于 12-11-2010 04:48 PM

    我第一张信用卡是南方银行发出，顶限才 2，500而已，后来才获得马来亚银行，
    可是却被汇丰银行拒绝，后来获得花旗银行 。。。
    最近得到渣打银行 Business Platinum 。。。

greateastern

我第一张信用卡是南方银行发出，顶限才 2，500而已，后来才获得马来亚银行，
    可是却被汇丰银 ...
振益 发表于 14-11-2010 12:57 AM

谢谢分享~原来我们都是酱一路走来！从低限额到高限额！

路人A

我想可能我的名字进了CCRIS。

刚才翻了翻看到 CCRIS FAQ，想知道更多关于credit report可以进入以下的link。

http://creditbureau.bnm.gov.my/index.php?ch=8&pg=20&ac=82

bibi130

不会难咯！前几天bank才打来问我要不要申请！原因是我的current acc每个月都有几千块进出！还是你可以放5千块进你的户口！然后跟银行说要申请credit card，等批了你才把钱拿出来！

cyyong74

我第一张信用卡是南方银行发出，顶限才 2，500而已，后来才获得马来亚银行，
    可是却被汇丰银 ...
振益 发表于 14-11-2010 12:57 AM

說起南方銀行，使我想起它曾經發行過的WWF信用卡...
以老虎圖作設計的，很美一下....

my_cat

我想可能我的名字进了CCRIS。

刚才翻了翻看到 CCRIS FAQ，想知道更多关于credit report可以进入以下的li ...
路人A 发表于 17-11-2010 12:22 AM

每个有信用卡，car loan，housing loan等的人的名字都会进CCRIS。
进了CCRIS不是问题，进了CTOS才大祸。

greateastern

什么是CTOS ?
是不是好像blacklist的东西？

my_cat

什么是CTOS ?
是不是好像blacklist的东西？
greateastern 发表于 17-11-2010 09:06 AM

copy from http://ccliew.blogspot.com/2009_08_01_archive.html

※CCRIS 中央信贷情报资讯系统（Central Credit Reference Information System，简称CCRIS）
国家银行通过1958年中央银行法令建立CCRIS，所有商业银行、回教银行、金融公司、证券银行和其他金融团体，都需向CCRIS提供客户的贷款资料，这是一项合法的举动。透过它，银行和金融业者都可以获取申请贷款者的信贷纪录。CCRIS强调仅是收集资料，并未对借贷者作出评估或提出建议，银行和金融业者自行决定。除了向CCRIS提供借贷者基本资料，如姓名、身份证号码和住址之外，银行与金融业者还需要提供相关贷款者的贷款方式、数额和品行等等。 CCRIS收集到客户财务纪录后，将会与其他银行和金融业者共享，协助业者视察潜在和现有的客户。

※CTOS （这家公司澄清并非是『信贷情报私人有限公司』，正确名称是『CTOS私人有限公司』）
只是一家提供信贷情报服务的私人公司。CTOS 所提供的资料都是可以从公众管道如报章，法庭布告板，政府报穷局收集到的个人财务资料。在金融界工作的人士都知道，这并不是什么机密。只有那些因个人财务 状况出问题者，如被金融公司控告，被法庭判穷籍者的资料会出现在这些公众管道。CTOS 其实就是把这些财务资料收集成资料库来出售给第三者拿来当参考资料。不管任何人也可以从公开管道收集到这些资料。在以前 CTOS 可算没有直接的兢争对手，每间金融公司又必需用它的服务，每一年的净盈利肯定很可观，这门生意其实大有可为，可谓包赚。

my_cat

From lowyet

CCRIS is a system created by BNM.
Every financial institution is required to submit their customer's credit conduct to this centralised system. Telco is excluded but they are plans to include all those government loans, korperasi, IPTA loans etc...but all these while just talks and rumours.
What is meant by credit conduct is mainly split into 3 major categories:
Applications:
- How many applications is being applied for the past 1 year.
- How much "line" is being applied.
Thus banks or underwriters would know how "desperate" this person is seeking for credit facilities. And out of these apps, how many is approved and rejected.

Outstanding Status
- It would show how many credit facilities one had i.e. housing loans, credit cards, OD, hire purchase etc...
- Each line would show each facilities with it's outstanding, limits and payment behavior, legal status if any.
- Under the payment behavior string, 1 would meant miss 1 payment, 2 would meant miss 2 payment.
- If it's a card with outstanding close to limit granted might not give a good impression.
- If it's like Hybz mentioned, he's always late by 2 days...the payment string might shows all 1. But since it's a consistent pattern, there's nothing to worry about. But word of advise, phone the bank up and change the billing cycle.
- Legal status would shows what legal action had been taken.
This portion is mainly for officers to judge how good is your repayment, how much "burden" once has, etc...the main evaluation criteria lies in reviewing this section.

Special Attention Status
- This would show mainly accounts that had been written off.
- Or under AKPK management.
Meaning to say if one appears under this section, sorry to say that it really leaves a bad impression.

So it's advisable to visit BNM twice or at least once a year to view your own CCRIS report.
This is to detect whether someone had misused your identity to fraud for apps also.
http://creditbureau.bnm.gov.my/index.php?ch=7&pg=10&ac=12



CTOS is an independent company which collects all legal notices published.
So happy4ever is right that they are collecting from newspaper.
Note the word "published". So they either took it from newspaper or notice board outside the court.
They never approach "first hand" to credit companies like you mentioned!
CTOS is different from CCRIS as it only reports what was published. Even inclusive of normal civil suits which doesn't really involve financial institution.
That is why CTOS is still widely used besides CCRIS as CCRIS like I mentioned above only store reports from "financial institution". Whereas if one company or one person decided to sue you for defamation, or other legal matters and are being brought up to court, it would be captured under CTOS after the legal preceding is done and legal notice is issued. CCRIS would never capture those instances.
There's another company out there quite similar to CTOS, which is known as BRIS. Just that it's more focused on corporate side.
http://www.ctos.com.my/CTOSHOME/home.htm
http://bris.com.my/html/about.html


BTW, there's no such thing as black list.
Banks or financial institution based on all the above reports to make their judgment.
One can be listed in CTOS but if it's not related or the severity is not major, there would still be no problem.
CCRIS, however everyone with credit facilities would be listed. As long as the payment behavior is consistently good than there's no problem!

greateastern

copy from

※CCRIS 中央信贷情报资讯系统（Central Credit Reference Information System，简称C ...
my_cat 发表于 17-11-2010 09:16 AM

谢谢啦~原来是这个意思！

路人A

每个有信用卡，car loan，housing loan等的人的名字都会进CCRIS。
进了CCRIS不是问题，进了CTOS才大祸 ...
my_cat 发表于 17-11-2010 09:04 AM

   怎样的case名字才会进入CTOS？

甲骨文

回复 75# 路人A


引用72楼

那些因个人财务 状况出问题者，如被金融公司控告，被法庭判穷籍者的资料会出现在这些公众管道。

路人A

今天去了BNM CHECK 了我的CREDIT REPORT，
终于知道出了什么问题 原来。。
是几年前的EON CC，还有LIST 在BNM的 CREDIT INFORMATION里。。
还是 SPECIAL ATTENTION ACCOUNT   
在回EON问， 说SYSTEM 没UPDATE到:@ 叫我明天回去拿一张证明字讲是还完以前的卡数。
明天回去EON吓吓他们先。。把我的CAR LOAN换去另一家
不知有没有效

男婴

不可能吧...我申请一张他们给我三张...
如果不会用卡就不要用很大学问的。等你学会已经还了很多学费了...: ...
GiGa_Canon 发表于 3-11-2010 11:08 PM

我真的交了很多学费！！现在欠了一屁股的卡债！！

雷电先生

我想可能我的名字进了CCRIS。

刚才翻了翻看到 CCRIS FAQ，想知道更多关于credit report可以进入以下的li ...
路人A 发表于 17-11-2010 12:22 AM

    清完欠款应该可以申请了 以前我欠银行3万2年没有还贷款申请很多间信用卡都不批 后来清完欠款直接申请信用卡都批准了 有一间银行最好笑 打电来问确认资料后就问我有收到清单吗 我知道他在问什么 我就说没有 最后不批准 哈哈 AXbank

路人A

清完欠款应该可以申请了 以前我欠银行3万2年没有还贷款申请很多间信用卡都不批 后来清完欠款直接 ...
雷电先生 发表于 30-11-2010 01:10 AM

    现在申请回EON CC，希望被批回。。