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?

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

i dont understand either. i went to customer service to check how much i need pay to settle, they ask me go front counter find out. I go front counter and after got an amount(not sure is discounted not) then ask will get release letter? he answered no release letter. account will auto close 6 months after settle. 

not sure about cooling period but I managed to get my car loan approved 1 month after I withdrawn. They also supplemented me with credit card as well. Provided your K status in CCRIS is clear. Also depends on bank to bank
I have withdrawn from AKPK in February and self settle all my debts.

Now must spend wisely and kick the habit of over spending. If not back to square ones.

till now no pick up

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?

how to do settlement ? direct call bank then they will inform akpk ?

partial

Guys, I'm dmp newbie here. I have started since 1 year ago  and paid for 1 year, wonder why my akpk portal outstanding statement amount won't reduce? How can I check current up to date outstanding after paid? Pls help, thank and appreciate.

I enrolled AKPK since 2012. I just payoff my balance 5k one lump sum 3days ago on 1st Nov to graduated from AKPK. It is not a easy jpurney but it does help us how to manage our finance better.

I still remember the time receiving tourtoring call by 6 bank collectors wt totalled amount of near70k almost every day. I almost got depresion that time. Thanks to AKPK on restructuring program.

To those have finance issue, do get AKPK helps. Credit cards is a devil if you cannot control your spend. I learned my lesson. A HARD ONE.

Btw for those just enrolled in AKPK wt big debt, dont feel bad. Is just you can't use credit card and apply loan. You can live your as normal like travelling oversee and so on. Personally I have hard time on 1st 3 years as salaried man. I do struggle for 1st 3 years but i did clear off partial small outstanding debt wt my extra cash from yearly bonuses.

I do learn not to over stress yourself or pushing urself too hard else you will end up too stress out and depress....try to live with it and treat it as a journey...once a while it is completely fine to enjoy and pampered urself with extra cash you hv. Just follow simple rules..1st pay AKPK, utilities and monthly commitment, set aside budget maybe for 20 days meal wt most economic value you can done with. Extrasss..you can enjoyed it during weekend wt family and do set aside some small amount for emergency. For me i will not touch my rm100/RM150 tabung monthly.. btw tabung things i started after the 2nd year lol.

During the journey, some of unlucky one might hit bumper like temporary out of job... do discuss family or partner or even call up AKPK officer if u think u needed consultation. It is free btw on consultation.

I do out of job for 6 months in 2017 wt some compensation & my tabung really helps that time and that time i do apply as well my kwsp 2nd acct to my house loan monthly commitment for a year.

My 10 years journey is not always a smooth one but manageable.

Yup evil...I still hv credit card but is a supplementary card, I will only bring out as spare when I'm in oversea/business trip. Most of the time i keep it wt my passport in drawer lol...I dont really use it, i hv creditcardphobia. I prefer using debit card. BP(BigPay) debit card for oversee use as the conversion rate is pretty good. While in Malaysia i use Maybank/Cimb debit card.

I guess i kinda get used to it using debit card. Everytime wanna use debit card I will check my bank acct for balance in my apps. Some how it helps to avoid impulsive buying behavior especially those expensive stuff since you know once you swipe your debit card no way turn back lol. The number $ in your saving acct immediately deducted.

I heard most those graduated from AKPK only hv high chances to apply CC after 6 months upon settlement wt condition of

1. CCRIS need to be in good shape like most of the payment must have  not hv too many "1". Like most of the month zero default payment.
If still show AKPK record in your CCRIS, thats it...you cant apply.
2. CTOS score need to be at high like 680++, 700 score?

I dont know, anyone have any idea.. or will if apply those bank which is not in AKPK restructuring before have higher chances?

Any bankers or finance consultant can provide some insight?

hi,

1)  i received calls from an bnm outsourcing agent saying that they can help to apply akpk dmp with fast approval.  should i trust them?  i am having difficulties to pay my card outstanding and desparately need a dmp to assist. 
A BIG NO TO 3rd PARTY! I BELIEVE THEY WILL CHARGE YOU INTEREST OF UR FULL AMOUNT.

2) is it easy to apply dmp from akpk?  how is the process, is it guarantee approval  and how long does it take to get approval?
GO TO THE COURSE, GET DOCUMENTS READY. SHOULD BE OK.

appreciate replies from dear members.

thank you.

Can we pay akpk monthly and also extra direct to bank so it will finish faster the repayment? Cox we cant pay extra into akpk account as it will still pay the exact amount monthly to the bank as agreed . I only in my second year of AKPK . The Cc and loan amount does not seems like reducing much cox of the very low repayment and bank still continue charge me late fees and interest fees

how long after clear from APKP then can get car loan approved ?

apply same bank that last time under akpk ?

after clear all bank need inform AKPK ?

After enroll AKPK, credit card suspend, do we still need to pay credit card service tax RM 25 every year?

4 month ?

after clear AKPK 1 month later hire purchase loan approved