Hi there.
Currently enrolled in AKPK since last year november 2018 with interest 6%.
May i know you guys will save your extra money or use all the extra money to settle the cc one by one?

i start akpk from jan'2010 on the first 2 years 2010-2011
i need pay rm70/mth
next 2 years 2012-2013 i pay rm100/mth
from 2014 ~ until loan end i pay rm130/mth
from akpk i can see they just charge 8% interest yearly
and my loan amount just RM8621.

wtf... i simulate out using excel i had already over paid...

but call hsbc they said still have 4k plus and end on 2032?? wtf...      

they more suck than ah long rite?? call them ask for statement they cant provide since day one until now.

lau eh....

i just check with my excel..

By Sep 2019 which is next month...you should completed paying with excess refundable rm17.49 estd

Jan 2010 to END Dec 2011......Opening Balance RM8621 ....MOnthly RM70.......STill Owe RM8,303.47
Jan 2012 to END Dec 2013......Opening Balance RM8,303.47......Monthly RM100....Still Owe RM7,152.45..

Jan 2015 to Sept 2019.....Opening Balance RM7,152.45.....Monthly RM130......Excess Payment RM17.49
Yes..You should clear after paying rm130 end of this month aka August
So 1st week of September...Quickly call that bank and arrange release letter and update AKPK portal immediately.
In my case...
HSBC received my AKPK payment end July last month but sitting on their butt doing nothing.
16th August i visit HSBC Bank branch because i thought i need to settle final payment.
GUess What...
HSBC branch show zero balance which mean i have done settlement liao.
HSBC submit my inquiry on release letter.
No one from HSBC update me..so call again on 20th August

Managed to get proper AKPK HSBC ...5 working day for release letter to send to house
Give my banking details online for refund....address for release letter.
Did ask to inform AKPK about settlement but saying wait 5 days

Guess what
Got refund on 23 AUg ...Friday but No inform to AKPK as i can see HSBC monthly repayment.

Today call again and request to info the AKPK so that i don't have to pay for HSBC amount.
Later will check again.
See the Ding Dong above.




bro i just call HSBC and found something...

HSBC said i only start my akpk payment on 2013??
wtf...then where is my money go form 2010-2012??
gone in the air??
i ask they said that time i didnt inform to HSBC so AKPK still paying my old account
only on 2013 they know i am on AKPK then they change the old account to new acount
then reset all my payment.
wtf..... i think your case also same like mine


Many tks bro...
do you have HSBC AKPK phone number??

bro i just call HSBC and found something...

HSBC said i only start my akpk payment on 2013??
wtf...then where is my money go form 2010-2012??
gone in the air??
i ask they said that time i didnt inform to HSBC so AKPK still paying my old account
only on 2013 they know i am on AKPK then they change the old account to new acount
then reset all my payment.
wtf..... i think your case also same like mine


Many tks bro... notworthy.gif
do you have HSBC AKPK phone number??

aiyooo...i think HSBC bullshit you lo.
old account or new account....HSBC will link it within their system..

i started AKPK much earlier than you ....I don't see it happening to me

This is HSBC handling AKPK case.

03-20757893
03-20756385

Chat with them nicely lo.
But i suggest, you better go HSBC Bank and print out your latest outstanding.

i call the number you gave me, that lady told me she unable to perform for my account checking.

then she gave me this number 03-20757975

i spoke with the PIC she spoke very nice. i told her about my story form a-z

after she check she said i serving my loan start on 2010 feb that make sense.

so i told her how i simulate using excel i cant imagine why my loan balance still have 4.3K

she will help me to check again then ask me to call her back 10 working days.

omg... its really shit i had       

Nope. it depends. I first apply uob credit card, i would say this is the easiest credit card to get, even your ccris clean & shine. After 6 mths, u can start apply other bank cc.

if apply housing loan, pls submit cc application together, higher chance to get approved. 

in just 6 months after released from akpk, my mortgage loan approved, 1 premier banking credit card + 2 visa infinite.

imagine owe 170k......paying minimum 5% which is 8.4k
Under AKPK....only pay RM2.1k

i rather have the excess money as my backup funds..
and let the AKPK handle the rest.

Yes.....
HSBC have inform AKPK...

My AKPK portal show latest monthly payment.

But i have to call twice...

inside the portal , at where you can view your monthly payment??

Mind telling your age? Already made full settlement for about 2 months now, I applied cc but keep getting rejected (even UOB).

CCRIS and CTOS are both sparkling clean.

35. may b i got some luck too. i applied my cc from sales agent, not sure if it helps but earlier i tried to apply online also kena reject straight.

UOB cc - applied from sales agent, just cancelled after i got my VI & premier card
CIMB VI - applied together with HL
hsbc premier - applied together with HL
SC VI - applied from sales agent too after i got rejected from hsbc online application

Hi, how many % of HL you manage to get ?
Recently i do apply for HL too, but bank only approve 70%, and then approve CC for me as well. I tried before online application also all failed.

I finally got my 392k HL approved too with no CCRIS record, only 80% though (but I guess better than nothing right?)
Already asked them to apply CC too, hope that goes well

Congrats!