CCRIS
Your 12-month loan report card, kept by Bank Negara.
CCRIS lists your loans, cards and financing and shows whether you paid on time using simple monthly codes. PTPTN loans can appear here too.
Why it matters
Banks pull CCRIS before approving a loan or card. Arrears can lead to a conditional decline.
Quick tip
Check your record through the official eCCRIS channel and fix errors early.