If you own a PTPTN loan

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They can access to your payment record from the Bank Negara CCRIS system and use this report to grade your financial scores. Say goodbye to your dream house if you pick up a late payment of two months in arrears for existing commitment. Although bank can still approve if you have one month delay, they still consider you as risky and therefore your interest rate will be higher.


Pay it on time. Settle any overdue amount or if you can’ denmark whatsapp fan t afford, talk to PTPN officer to restructure or reschedule your payment. Avoid selling cars without changing the ownership. If the new owner do not pay the installment, this will affect your CCRIS record, not theirs. Do not being a guarantor. Same case as above, the risk is on you.


6) Use a credit card wisely Avoid using more than half of your credit card’s maximum limit. This is because the bank will assume you depend on a credit card and degrade your financial scores. 7) Ensure remaining bank balance is healthy The bank also look at your remaining monthly bank balance. If possible, make sure the end balance keep increasing every month. In addition, if you own a salary around RM5,000 per month, it’s good that if your bank balance do not go below than RM1,000.