Currently I’m an AKPK subscriber, so I’ll answer your questions based on my own situation with AKPK. Your amount seems quite low, so I don’t think you can masuk AKPK — I had 7 credit cards with max limits of 20k each, sampai rasa nak mati last time when I lost my job during the pandemic. So here goes:

1. What will happen to my credit card after the AKPK program is completed? Can I still use it?
Nope, once you put your credit card under AKPK, that card is permanently unusable. I suggest keeping at least one card for emergency use — just pay the minimum until the highest interest card is cleared, then snowball the payments until it’s fully settled.

2. How long will I be under CCRIS record?
Your CCRIS stays clean, but you cannot apply for new loans until you’ve fully completed AKPK (all debts settled). If you quit halfway, then your CCRIS record will show bad because of outstanding debts.

3. If I have BNPL like Boost PayFlex or Shopee PayLater, will they be frozen?
These don’t fall under AKPK since they’re not regulated by Bank Negara — only bank facilities are included. So you can continue using them as usual.

hope answer your questions.

Not yet bro, still ongoing. Usually AKPK plans run around 5–10 years depending on how big the debt. Mine ikat 10 years, about 6-7 years left. But I’m slowly closing 1 by 1 — every time I dump some extra direct to the bank, they issue letter to AKPK to remove the settled record, so my monthly drops as well. Started with RM1k++ now tinggal around RM700 je, already closed a few CC and personal loan.

1st 2 years they give what they call ‘cooldown’ — only pay 50% of actual monthly. After 2 years baru kena full, but you can request extend another 2 years (they’ll recalc the payment).