With reference to my recent application for a credit card facility provided by OCBC Bank Malaysia, and your subsequent refusal of the facility.
For your information, I have fulfilled ALL the requirements as stated to get the OCBC Titanium MasterCard and there are absolute NO reason for OCBC to reject my application based on my records alone.
Furthermore, I am a good paymaster for my hire purchase and all my other credit cards as seen from the scanned copy of the CCRIS that I had attached.
I was not blacklisted for anything and you could verify with CTOS if you need to.
I would like to appeal your decision because I feel that I have underlying facts that would make you reconsider.
I trust that my appeal will be looked at more favourably than my original application.
Kindly please spend a few moments looking at the additional information attached with my appeal.
In the meantime, I look forward to your response.
Hopefully with better news than last time.
Have a nice day.
Thanks.
CCRIS是一份由国家银行发出的报告...
里面可看到个人所有的house, car & personal loan and payment, credit card payment and limit...
待批准的loan or credit card申请也有...
每个月每间金融机构都要呈上相关资料给国家银行，以便更新... http://creditbureau.bnm.gov.my/i ... mp;ac=2&lang=en
当申请任何一间银行的信用卡或贷款时, 他们都会和国家银行拿顾客最新的ccris report...
这让他们来review要不要批准申请...
如果current loan or credit card payment不美的话，new loan or credit card application 多数会被拒绝...
而CTOS 是家私人机构，收集被blacklisted，记录没还的债务，如mobile bill, internet bill，summon etc...
资料多数从报纸，法庭or通讯公司来...
有时他们的资料也会影响loan or credit card application... http://www.ctos.com.my/
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