Sharp eyes but perhaps TS only uses LYN for advices on buying stuff, so it's easy to magnify on that... But I do have to say, for a RM 2k monthly pay, there's a lot of purchasing needs..

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2k is not enough for basic living in KL, maybe TS can clarify where you stay and how much are you saving after daily expenses like food, house/rental, car etc.? Adding with consistent search for loans based on your past posts, it sounds like you are living way above your means -- on that I agree AKPK is your only way and there is no shame in it. Stop the accumulating interests and pay them all off for a fresh start, even if it takes years.

I live debt free (except housing loan) and always pay credit cards in full (0 interest, only rebates). I own a local car and mid range phone/PC by choice as I enjoy having the freedom to eat what I like (barring health concerns 🥲). I think you might enjoy the feeling of not thinking about loans, once you have a taste of such freedom.