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if u manage to control your debt properly and clear off most of it should be no issue to apply for loans even if just withdrawn or settled AKPK.