Aug 20 2025, 02:38 PM
QUOTE(kesuki17 @ Aug 20 2025, 12:46 AM)
So I have outstanding credit card around RM7K+ .Applied for balance conversion,yet barely able to survive after pay the monthly payment.
Other than credit card, I also have other bnpl payment. Spaylater, boost payflex. And also postpaid monthly payment around RM250 per month.
The worst decision is using the cc to paid for the postpaid payment. Now cc is unable to use due to max limit.
So I am thinking about going to akpk program.
My questions are
1. What will happen to my credit card after the akpk program completed? Can I still use it?
2. How long I will under ccris record?
3. If I have bnpl, like boost payflex and shopee paylater, will it be likely be frozen?
bro call up cc , say please stop interest or i dont pay you at all forever. later ask for discount like remove the interest just pay the principle or you threat you will not pay at all . but once they approved repayment after discount you dont la screw them .Other than credit card, I also have other bnpl payment. Spaylater, boost payflex. And also postpaid monthly payment around RM250 per month.
The worst decision is using the cc to paid for the postpaid payment. Now cc is unable to use due to max limit.
So I am thinking about going to akpk program.
My questions are
1. What will happen to my credit card after the akpk program completed? Can I still use it?
2. How long I will under ccris record?
3. If I have bnpl, like boost payflex and shopee paylater, will it be likely be frozen?
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