Reasons the bank rejected the application:
Bad CTOS record:
1. Credit cards repayment status: No arrears. 8 months ago, he did not pay the minimum amount for 4 months.
2. Car loans repayment status: 2 months late in payment, there are 2-4 months in arrears every month within a year.
3. Mortgage repayment status: 3 months behind, there are 2-3 months in arrears every month within a year.
4. Trade/credit reference: Have yet to pay RM180 to DIGI.
No stable income:
There are not many transactions every month and he does not have a lot of balance left. He did not submit his income tax yearly
Mr Chee's Letter Offer