Just curious how you get your new CC, as I was rejected by many banks for CC applications after cleared all my AKPK last year. Banks said I can't apply any CC as they can't find my previous records from CCRIS. Meaning I'm "blank" in CCRIS

I still have existing housing loan that is under my ccris record and I paid on time every month, probably for my case there is still record that's why my CC and Car Loan can be approved.

Hi All,

Can anyone share experience when exit from DMP, do we need to pay bank interest of 18% crawling back since the date we joined DMP?

Called AKPK and the spokeperson mentioned there is a possibility the bank will charge interest of 18% backtrack since the date we joined DMP.

I am referring to the credit card which was enrolled to DMP.

Appreciate your sharing 🙏🏻

Oh, meaning you haven't close your AKPK account? Weird, I thought someone who is still in AKPK can't apply any new CC or new loan

house loan is not under AKPK account

Oh, it cleared the confusion as I thought all your loans are declared under AKPK. Sorry my bad.
Well, what I'm doing now is I pledge FD to apply new CC and try to build up my credit record in this year. Hopefully can apply new CC next year without pledge any FD anymore

Actually akpk is good but the problem is this few months i can see my ccris got 1 for car loan. Other loan under akpk is 0.monthly i pay 1130.
I got 7 list 6 under akpk.My ccris is not good and got late chargers so i just withdraw from akpk last week.I tried contact ambank to check back never late payment.If problem is akpk not me.
How come all under akpk 0 only car loan got 1.So now all my crris 0 after i complaint about this.
For your info My loan under akpk now below 50k. I want asking can i get loan 150k?.for debt consolidation 50k.I owe my mom i need to pay 50k.50k for investment.This investment will pay every month to cover the installment.
Please i want your advice.

Many had mentioned previously......if you are still under apkp dmp, ...very difficult to get new loan.

just graduated from akpk....immediately after got release letter try to apply maybank cc..maybank decline.. :lol:

Jfi, jfi only.
Page 169 n 170 a forummer mentioned he got loan approved just 1 month after akpk graduation

you read or not.i already withdraw from akpk

Sorry, I read only this.....
To me that is still having 50k loan under akpk.
You wanted to get 150k loan.
Because you want
for debt consolidation 50k.
You owe your mom you need to pay 50k.
50k for investment

Sorry if I did not see it correctly


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50k now not under akpk..i already called all banks this few days.confirm already untag but will update the ccris report after 15hb .Meaning my ccris report clear from akpk after this

forget about under akpk now.i already get the release letter.

but how to get loan 150k?

This post has been edited by zamnrul: Feb 4 2023, 10:00 AM

Apply at the banks or financial institutions?

BTW, a forumners in page 169 & 170 had mentioned he got credit facilities approved 1 month after graduating from akpk.
Hope your applications criteria and financial qualification are almost similar to his or even much better than his, ...so that 1 month after graduation , ....approval will be bestowed for you too for your 150k loan application

This post has been edited by MUM: Feb 4 2023, 10:12 AM

i will wait for few months and reapply cc, maybe because CCRIS still show i'm under akpk & previously i apply cc one day after graduation

Yeah better wait until next ccris cycle and ensure the “AKPK - DMP Programme” is no longer reflected to the loans registered with AKPK previously.

You can register e-ccris. Easier for you to check the status real time. It is the same status what banks are are able to see as well.

This post has been edited by metalgearash1987: Feb 7 2023, 10:37 PM

My experience,

credit card, personal loan, stick at the same rate as per akpk. in my case, 8%. bear in mind that these varies from banks to banks. so call them up 1st for confirmation.
except for ptptn, need to check with them how much to pay.

Cheers.

want to ask how long ctos and ccris report will sync?right now my ccris report already untag from AKPK.i checked today alliance already untag my name from ccris report.when i bought ctos still alliance got akpk.when apply the loan they using ctos or ccris to check?please advice?because ctos showing poor.but my ccris report all 0

Will take note on this and thanks for sharing your experience.

Get the settlement letters from the banks, upload it into the AKPK portal. AKPK will then re-allocate the payments accordingly to the other banks.