Bro,

Since you already cleared AKPK, why still wanna use credit card again ?

nowaday you can use your debit card just like credit card, without the worry of overspending.

stick to debit card la.

hi guys.. had cleared all my debt and release from akpk on nov 2020, did check my ccris ctos as well with clear record... but still failed to apply any credit card from most of the bank as my purpose to create some good credit record for sooner housing loan purpose... some told me need 6months time to eligible for CC or loan application.. is dat true or anything i can do to solve this?

i tot need atleast some credit record for loan application wud be easier? planning to get a hse soon within this or next yr.. so tot to do some preparation.

some1 told me to place an FD so cud get the card easier.. but not sure if this akpk record effect my others loan application in future.

no no no, having credit card does not give better credit rating.  Have it clean will be better.

when you apply for housing loan, it is still up to the bank to accept or not.  So first get to the bank that you have been clean with so far.

As usual, they will ask about latest salary slips etc, and they do call for 'interview'.
my recent home loan, the bank asking questions like:
1. have FDs? i said yes, providing them the certs
2. have share investment? no, only public mutual
3. have credit cards? no, as now have debit cards, prepaid cards and e-wallet
4. latest month salary if have.
5. bank statement that salary is in.
Ya.. depending on how stringent the bank is, hopefully got linient ones.

As i mentioned, see your latest ccris report if have any credit application history record. if have and status is rejected, then you might need to hold on for a bit until it is cleared.

i tot need atleast some credit record for loan application wud be easier? planning to get a hse soon within this or next yr.. so tot to do some preparation.

some1 told me to place an FD so cud get the card easier.. but not sure if this akpk record effect my others loan application in future.

noted with thx.. i did check my ccriss, it shows clear.. without any record..

just curious if it will effect my future application.. if yes den need have different planning XD

i use pc still cant view letter

Question :

1. I even called each pf the bank they wont able to reveal the amount owed under this program all subjects to AKPK consent
ANSWER : Call Collection Dept every bank except Standard Chartered (Redemption Dept) ask for actual amount to do earlier settlement.
2. How do I make my "normal" payment pre-akpk again? I have almost couldn remember what was the outstanding amount since some of the bank didn't send me statement anymore
ANSWER : Have you skipped from AKPK ?
3. What will be the arrangement and rate upon exiting AKPK. Afraid the banks will still imposing me late charges la penalty you know la they have so many reasons to inply anthing when u are not backed up by AKPK.
Exit from AKPK once you have make full settlement every banks , they would update automatically and would remove from your akpk dashboard
My experience (most banks sent me release letter within 24 hours except SC took 2 weeks)
1. Call Collection Dept every bank except Standard Chartered (Redemption Dept) ask for actual amount to do earlier settlement.
2. Pay over counter or pay online (depend on their procedure)
3. Inform them once payment has been made
4. Ask for them for release letter via email and original would be posted to your current address.

Normally once full settlement has been paid they would inform AKPK and would remove from your AKPK dashboard

Ya..the response time from some banks are too slow.  Havnt received the returned call from the bank ( Citi and UOB)  for one almost a week. Just asking for the actual balance for settlement.

Yes. Really slow. 1 bank even put the status Rescheduled Credit Facility upon me exiting AKPK. Last time when i checked with this bank they said the original loan has been converted with new term now it seems the status is different. Guess they wont easily tag u as clean as before upon you graduated without full settlement. Dunno whether this will impact my future borrowing. For sure it has.

tried but still not success... like normal procedure or do u summit the release letter from bank as well?

Anyone manage to get waiver rebate from alliance bank on personal loan?

guys,

need your advise seriously.

i am losing my job.

if we lose our job, can we tell AKPK ?

will AKPK help us ?

will AKPK cancel our account if they knew we no job ?

no harm if you call them to get the advise..

guys,

need your advise seriously.

i am losing my job.

if we lose our job, can we tell AKPK ?

will AKPK help us ?

will AKPK cancel our account if they knew we no job ?

Sorry to hear this....You can call akpk for advice.  Maybe there is a way.

On the other hand, if u can get isinar, as an option to buy sometime for you to go get new job too.  Just a suggestion.

i already got isinar.

but i have family to feed, kids at college, mom depending on me.

haiz....i am feeling to kill myself...i am feeling so helpless...seem like no hope in front of me....bad thing keep coming to me non-stop.

if i die, at least my family can get my life insurance + my epf, it is better.