have you read post 2 of that thread you just linked?
https://forum.lowyat.net/topic/5010475

What they offered me was to withdraw all my available amount of my ccs' to my savings account and they consolidate my debt into a lower repayment scheme.

what if it turned out to be a ..........
as per in that post 2?

That's why I feel sus but it doesn't hit any points from post 2.

if you have read post 2 and are still confident about it, then go for it as "they offered you to withdraw all my available amount of my ccs' to my savings account and they consolidate my debt into a lower repayment scheme".

Well, I don't, that's why I had to do research and found this.

That's why I feel sus but it doesn't hit any points from post 2.

once u r in AKPK, u pay back half of ur credit card outstanding, can u still used the balance?  (as long as it is underur limit)

Hi first time asking something here about AKPK.
Related to the quote above, after I’ve made early settlement with AKPK and bank has cleared the debt can I use the card again? Or need to reapply new?

I tot after you enroll into AKPK, your card(s) must be surrender ald...
No more usage. After graduated from AKPK only can re-apply CC..

Hi first time asking something here about AKPK.
Related to the quote above, after I’ve made early settlement with AKPK and bank has cleared the debt can I use the card again? Or need to reapply new?

Can bank reject akpk proposal ?

i need hlb akpk officer contact...anyone can help ?

Hi guys anyone has a way to contact with Maybank collection? Trying to clear off my AKPK but call no one pick up, email no response. Am trying to find out my total outstanding to clear off urgh.

u just go to HLB messenger drop there a message then they will arrange their official to contact you

Hi guys. Just sharing my experience after withdrawing from AKPK.

I was with AKPK since 2016 with 3 credit cards (HLB, CIMB and UOB) maxed out. Last year I totally clear 2 of the cards and requested for withdrawal on January 2021. After when my record in CCRIS cleared in mid Feb, I tried apply for car loan and credit card with public bank and both approved. In fact the car loan applied through CIMB was approved too but with higher interest rate so didn't go with them.

The other card I cleared end of Feb.

Recently tried applied for Maybank credit card and approved too.

I guess if u manage to control your debt properly and clear off most of it should be no issue to apply for loans even if just withdrawn or settled AKPK.