http://forum.lowyat.net/topic/500268

as per my post... citibank card happens to be one of the card that i owe most... is suspended now and many late payment charge.. but i am still slowly paying ... hahaha

do u think with this, what are the chances of my loan being approved?

if chance is good.. then i really would like to apply.. hmmm ..

hmmm... 90% fail rate ar..

ok.... then lets say i do this..

citibank card (suspended until i make minimum payment) : outstanding RM 3k , i make payment 1k

mbf card (active) : outstanding RM 2.6k , i make payment RM 1k

maybank card (cancelled upon bank request, they took watever balance i left which manage to cover the minimum) : outstanding 2.2K, i make FULL payment and go down to the bank to request full cancelment.

so all in all.. it covers all the late payment and minimum payment charges... and then i go apply the personal loan... chances are better? or still the same?