Hi, is anyone one from akpk here? Or anyone apply akpk before?
I have cc outstanding of around RM 150k, would like to seek for akpk assistance. My only worries is will akpk shows in ctos/bank system even after I have fully settle the akpk few years later?
Actually I have a house to refinance (can cash out about 120k) but the bank don't allowed me to do so due to the high DSR (mainly cc outstanding)

Need your kind advise.

Thanks