list out ur spending pattern.. n let see if someone could help you. unnecessary thing could be cut and pay off your debt

take Personal loan first to clear the loan.. then slowly kaotim the loan..

this is bette because the interest is much much much less than cc interest

like all mentioned before -> akpk. 80k is too darn much.

How to convert? Nego with the bank for agreed amount and convert to loan?
Assuming applying personal loan will be rejected since his amoumt is quite huge.

80k with 18% interest a month is 1.2k. It's steep but manageable given his income. I don't think TS needs AKPK at this point if he can instill discipline and reduce interest by refinancing some of his debts via balance transfer schemes. He mentioned that the debt load hasn't changed in 3 years meaning that he can sustain it just that he needs to start paring down debt gradually.

what did you spend till your bill reached 80k?
OMG must be travelling overseases, fine cuisine

last time i do have few cards. owe money too. i cut it into 1 card. this card for emergency use only.

then pay monthly min payment until settle all the cancelled card.

now owe using 2 cards. 1 is forced by company. but try to settle every month before it burst

another person who spends his money more than he earns, plain silly.

as others have mentioned, convert it into personal loan or borrow from your parent/siblings/friends to settle your credit card debt first.
earning 7k yet dont know how to manage personal finance.

take 2nd job with higher pay than RM7k/mth..then can settle ur debt within 6 months...

uber..........

now most important is to go to ur respective bank and terminate ur card, transfer those amount to loan (interest fix n not running like cc). Try to ask for longer period of instalment. Why now only ask for help?

quickly settle this bro if not u forever burden urself with cc debt.....

u dun have to afraid of anything cause u got nothing to lose liao...