I currently have 4 credit cards, used up all my credit limit CIMB = RM8000 MBF = RM5000 HLB = RM5000 AEON = RM4500 Totalling RM22500. Also have a car loan around RM680 a month. My salary is RM3500 + RM400 petrol allowance working for a Sdn Bhd company. I would like to get a loan of RM23000 to clear up all my credit cards and cancel all of them. Been trying with several banks but all got rejected which I think is due to my bad credit history. Anyone who can kindly advise me on what to do? Is it advisable if I were to get a loan from licensed money lender? Hopefully someone can help me here. Thanks.