boon,
u r very straight forward guy.... i understand what u trying to say which is illegal and not the right way

cms malaysia
i'm not supporting u but it's a good "program"...

actually bank knows it is illegal to have this machine and swipe for cash, banks are clamping down cos my gf is an account manager for merchant dept in a bank... better be careful bro...but she say paling teruk also terminate lah...bank won't sue the merchant...heheheh

actually ppl in debt have only one goal....to reduce their debt... by all means if this "program" can give cheaper rates or 0% installment alternative, i would say why not???

some one here will come and say they shouldn't spent more and use cc bla bla bla + educational talk but... nasi sudah jadi bubur, so they cannot reverse the time...cheaper rates could help them...but if they screwed again...dunno what to say ler....