Hello all experts, I enrolled in AKPK Program. Recently I found out that AKPK interest is killing as well...

Initially my outstanding balance for AMbank is just RM5k+ .. with my monhtly re-payment for 2 years.. the outstanding did not reduce but increase to RM8k+....

Now i wanted to make full settlement for all my cards.. Do you guys think I can ask/negotiate for the discount on the full settlement amount???

For eg, The full settlement with HSBC is RM9k... Can i negotiate?