if she go on consolidation from bank then she dun have to cancel cards

Hey guy, wanna to know it would affected my job if I apply for AKPK ?
Will it affect my next job ?
I'm currently working in bank industry.

I dont think so. Why would a company do a financial background check on you.

I tot it could be a " Tagged " as AKPK when registration ?
I actually owe credit card outstanding from my current FI as well.
Hence, I'm wavering to enroll for AKPK... ...
And, currently I looking for career opportunity... ...

Banking industry got it own loan to all bank staff. Can't rmb wat it called.

It shouldn't unless you're in a sensitive/vulnerable position where you may commit cbt.

Also may affect your ability to get staff loans

one question about AKPK. can i go to them and ask about doing investment and growing my wealth, not about managing debts?

check the services offered by APKP?
Does it have investment advisory?

http://www.akpk.org.my/services/others/services-faqs


Attached thumbnail(s)

i guess first and second point suits my needs.

thanks

Managing your own money shall start from your self, not ask others to help.
But simple principle to follow : savings > debts.
Only take loan if saving's interest rate/return are > loan's interest rate.

interested with this part. mind to explain further?

Just say you are taking personal loan with interest of 10%, can you get any investment" that sure can give you > 15% of return from the PL amount you take?
In the market there's nothing can yield this.
Some do say a bumi can take ASB loan that can give high return. But still, part of it have to pay the loan/debt.
For me, don't care a person is a bumi or non bumi, having close to 0 debt still the way to go.

aha i see. okay noted.

Make full use of your status, but without taking loan

im trying my best, to avoid taking unncessary loans, especially those credit cards, personal loans..

If you swipe rm1000 and pay on time, it is actually better than using cash.
My credit card spending already 17 years pay on time.

Investment advisory is not under the mandate of APKP.

so refer to the services offered as described in the attachment in post# 815

That's not investment advisory.

did it state got investment advisory in that attachment?