Hi all, got some questions to ask. I got CC debts from 3 cards which add up to 10k. Currently I'm trying my best to clear it by paying more repayments on cards with higher debt while paying the minimum amount to cards with lower debt. Due to this every month I'm not able to have any savings. FYI i've stop 2 cards totally while 1 more card is for my auto debit bill payment purpose.

Is it wise for me to apply for personal loan to clear off all my cards? Because if i calculate, even if i pay the minimum balance every month it actually needs almost 500 per month. I'm earning 3k per month and currently paying for my car installment too.

Just found out that my application for PL from alliance got rejected due to my record with Bank Negara isn't so clean. Is there any agent that can offer me PL for 15k with repayment period of 5 years and lower interest?

Need the loan to clear off my CC & my wedding preparation. Currently my annual salary is 36k with car commitment of rm447 permonth and CC only.

Check your PM

This post has been edited by BlueHippo: Aug 14 2012, 11:19 AM

Anyone here experience with Hong Leong PL? I'm very unhappy with their service My loan application was approved on August 17th, they actually called and confirm my details and where to disburse my loan. I've waited patiently for more than a week already and the loan still haven't disburse into my account I send sms to the agent that handle my case but still no news till now sigh.. I've ask my agent when can i expect the loan to be in my account, according to him IBG transfer will take 2-3 days but what the heck it's been more than 1 week.

I'm oversea now so I can't go to Hong Leong HQ to screw them up. Very urgently need this loan to settle some personal stuff and my CC. Sigh very very disappointed, I already log a case with them but as usual now news till now.

Even worse, the representative that called to confirm my details actually said i need to make repayment on 17th every month. WTH man!!!!!!!!!!!!! Any suffering the same fate as me now?

U might be right Ken, regretted I didn't tell them when I need to loan Can I negotiate with the bank to set the repayment date on the time I receive the loan? It's kinda unfair to pay on the date when i don't even receive the loan yet.