Bank Yang Sengal!! The Resolution

Another morning at the office, another update!

Ok. So nak summary ler kat sini. Nak summary sikit application yang penah aku wat for the last several weeks.

CIMB Personal Loan: Applied for 6K, sms status gagal after 2 days sent the app.Status Failed.

Maybank Personal Loan: Applied but self-retracted the app after 15 minutes. 2 weeks processing. WTF?Status none.

RHB Easy Personal Loan: Loan picisian dari kompeni kampung servis tahap Felda. Xde feedback. Kena g branch sendiri untuk tau status loan anda. Ko ingat ni zaman batu ke weyh? X padan ngan interest tinggi. processing terlampau lama. Dalam iklan kata sehari, pegawai kata 6 hari, tapi in reality dua minggu weyh!! Status Pending( doc x lengkap padahal aku dah anta doc kat branch. Mesti x sampai kat processing dept.pekerja wat kerja sambil lewa.)

CIMB Credit Card (CC) : 2 days dah tau status berjaya. Borang x lengkap diisi diaorg call aku semula and bukan reject terus. A week later dah boleh claim CC kat branch. Status Approved.

Maybank CC : Sunyi jek. Xtau apa status. Most likely declined. Kata 2 minggu process. Kenapa lah bank yang konon TOP ni servis sungguh lambat, i never know.Status Pending.

HSBC CC: Isi borang sume kat branch. Yes. Bank international pon isi borang sendiri. RHB just harapkan pekerja2 yang sambil lewa handle ur application 100% which to me, wouldn't work kalo bankers tu cam gamfunk. After a week( their published processing time) , loan officer call and said status declined coz ade masalah ngan CCRIS. Apparently i have 3 bank applications in status pending dalam rekod bank negara which in result would flagged your name.

The resolution: Kena kasi clear my CCRIS record. Bende ni monthly refreshed so sebulan ni aku xleh nak apply mane2 bank or else, aku akan di reject terang2. Nak kasi clear kena di reject sume bank application aku and reapply again for next update in CCRIS which would fall mid of each month. So all my application in status pending (RHB: HSBC : Maybank) most likely would all fail together because of this damn record.

The conclusion: CIMB still my favourite bank coz servis sungguh cepat and customer friendly while HSBC also become my new favourite coz having the same traits with CIMB.

Current mood: excited coz morning!!