One of our friends contacted us and discussed about an experience of being scammed. Nothing was lost, fortunately but all the stress and sleepless night endured are a reminder to us that there are certainly many unscrupulous syndicate out there waiting to fish our hard earned money.
Bank Negara Malaysia (BNM) has years ago came out with some remedies and a portal for us to monitor our financial standing. This includes knowing one's payment track record for the past 12 months, total outstanding amount and monthly payment amount. If you've forgotten, it's called the eCCRIS.
Below is a snap shot of eCCRIS and the link to it is https://eccris.bnm.gov.my/eccris/
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| Snapshot of eCCRIS of BNM |
From the snapshot above, you can see that the details are being provided:
1. When the credit facility is being approved
2. Name of Financial Institution
3. Is it a Joint or Individual account
4. Financial Institution Branch
5. Account number
6. Total Outstanding
7. Instalment amount
8. Any arrears for the past 12 months (0 means no and 1 means missed or late payment for that particular month)
Just in case you're wondering how the log in page looks like, here you go:
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| Log In Page of BNM's eCCRIS |
