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?

Thanks for the replies and advice everyone!

As for the past posts that I just posted.Just let it be.I haven't touched any upgrades or new gadgets+car oil.

I am located at Sabah, so part time options is very limited. Already try apply for parcel delivery but not available.

And my income is..RM2k plus abit of commission. Car loan + ASB loan + BNPL + personal device loan.
Before that I able to managed all the payments in time.

As for the postpaid plans..I take postpaid device plan.Total 4 plans. (Not iphone plan, just some android phone for my family to use.) I didn't realize the postpaid plans are acculamated. So I rely on the credit card to pay it off. ( After pay the cc monthly payment, I straight use it to pay off the plans.) And didn't realized cc it's already maxed out. Already sold all the unwanted gadgets. Luckily a 2 plan will be ended soon.

As asking for family for help, they can't due to limited budget now.

If akpk is not the option, how about the cimb restructure and reschedule option?

I expected to recovered from this next year.