Lowyat.NET: Latest topics by yks8845

CCRIS, CTOS, Blacklisted by Bank

yks8845 — Sun, 13 Jul 2008 01:48:14 +0800

I started this topic regarding some personal finance issue which always related to CCRIS, CTOS, blacklist by bank.

Since i been browsing and go though some forum and found that quit number of forumer having CCRIS,CTOS, blacklisted by bank problem.

may i know whats different about CCRIS, CTOS and Blacklisted by bank ? And how those system function?

If lets say one Guy who was having credit card outstanding balace for july rm 1000 (but previous outstanding balance = rm 0) , he did paid rm 500

before due date, so, is that he is under CCRIS problem ?

Dude who have knowlegde about those CCRIS,CTOS etc welcome to telling me

Cheque Deposit slip

yks8845 — Sat, 02 Feb 2008 11:24:44 +0800

hi guys,

yesterday afternoon i went deposit cheque ( via machine ), but i in rush thus i forgot to rip off customer copy of cheque deposit slip..

i want to ask is there any problem ar? how many days they take to clear cheque? i check via cimbclicks today but no cheque transaction was

shown...... , since is first time i deposit cheque ( don laugh me ya )

ps:// CIMB customer services person no good at all...the girl enjoy played her handset while i asking her assist

Pawning

yks8845 — Wed, 10 Oct 2007 17:00:03 +0800

Hi everyone,

My friend currently in Debt cause of medical expenses. He was thinking of pawning his and his wife Gold ( jewelly) to settle it. He want to know

is that pawning was a better solution instead of personal loan? besides, how the pawnbroker evaluated gold ? 80% of market price?

Give some suggestion and opinion ..Thanks

Current Account

yks8845 — Mon, 23 Jul 2007 12:11:15 +0800

Dear Fellow,

I wish to opening my first current account, so i need some advice and info from you all.

Basically,

1)which bank offer better benefit / feature?

2)Which bank do not need to produce an Introducer upon opening of the account.?

3)which bank to offer attractive interest rates and convenience of a checking facility?

4)Which bank offer lowest initial deposit??

5) Minimum monthly deposit?

5)I heard some bank combine basic saving account with current account...so, how actually it works????

thanks.

Need help : Youngster Wish To Buy House

yks8845 — Mon, 16 Jul 2007 16:49:08 +0800

ok....

need advise in this case.

my friend same age with me ( 25 years old ) been worked for one year. Now he consider to buy a house price around RM 250 k....

he had FD around 30k ( to make downpayment)....and he earned around 2.3k a month.......

can someone help to figure out how much monthly payment and give advice on period of loan to take ( 20year?, 30year)

problem goes here....: he qualify for taking loan from bank ???

by the way he have another property that's paid up and about RM 200 k estimate ( but share name with his brother which is inherited descend from their father) , can he utilise it for easier loan approve???

thanks

Trick : let's talk Plan

yks8845 — Wed, 20 Jun 2007 23:31:06 +0800

Yesterday i had receive a letter write in bahasa melayu as below:

PENGESAHAN LANGGANAN PAKEJ LET'S TALK 38

Terima kasih kerana melanggan Pakej Lets talk 38 dari TM.
sukacita dimaklumkan permohonan anda untuk mendaftar pelan di atas telah diproses dan tarikh efektif pakej lets talk 38 anda bermula dari 16 jun 2007.

sehubungan dengan itu, caj pertama bagi pakej lets talk 38 anda akan dibilkan pada 16 JUL 2007....

and so on with the verify by pengurus besar , jualan penguna.

the problem here, i and my family never agree to subcribe these pakej although there's many times their agents called. I confimly told them that i not intersted at the pakej by the last call they made.

Thus i went to tm point to ask what the hell is it. What makes shock, they cant explain to me why was this happened without any agreement or signature make by customer. Sadly, they still insist to charge me RM 38 for next month bill while i ask the officer to cancelled it. Reason given was the application have effected since 16 of jun, and cancellation only can be done on ogos.

So, what they try to do here? 'berkerjasama ' with the agents to bamming customer money???

Citibank Sub - Card is that difficult apply?

yks8845 — Wed, 06 Jun 2007 16:46:10 +0800

my sister current holded citibank gold card..last day she apply sub card for me (credit limit = rm 3k) but been rejected ( her credit limit was RM 15k)... ...

i am 26 years old with University grad ..my status is self employee ( i just registered a company and having business for

two month )..and i had loan account with cimb bank (rm 5000 with out standing

balance rm 3700) . be hornest i had late monthly payment for few time.( But i

keeped bank in total due amount when i reliase)... and i wonder is that the major

cause for the rejection ??...

And is that mean i will be rejected in my entired life when i try to apply creditcard by myself ( especially citibank )?.. i mean am i been blacklisted