1 month after full settlement with maybank, my akpk is cleared from ccris report. Then my banker immediately submitted my mortgage refinance application and was approved within a week at 0.9% bank profit rate (3.9% at current opr).

Already signed my LO 2 days ago.

1 and half month after, just fyi, this month i applied 3 credit cards, two are approved and another 1 pending review

Cimb petronas visa infinite approved limit 8k
Hsbc visa signature approved limit 20k
Ambank enrich visa platinum&visa infinite pending

Anyone wondering if after akpk hard to apply credit card or loan, for me it doesnt seems to be that case. However my DMP was from Maybank CC and i havent try to apply any of their product yet, maybe would be harder to be approved if apply from the bank you once has AKPK DMP with.

What's the interest rate if you guys do it directly online? im being approached with the "agent" also now by claiming if you direct apply through AKPK will charge u up to 10%

if base on 50k calculation
(2% pa) 1 & 2 yr : RM500
(4% pa) 3 & 4 yr : RM600
(5% pa) 5 & 6 yr : RM720
(6% pa) 7 to 10 yr : RM864

The catch is, they will add on another 10% Admin Fee (+6% Merchant Fees from that 10% amount)

Thanks for the reply. Can I know what the interest rate is if I deal directly with AKPK? Within 6-10%? won't have that interest stage like 1st few year lower?

Is the application tedious? Heard him say the application will need to take some time, as we'll have an interview, then need to attend classes some more. And of course interest rate is higher.

Sorry for a lot of questions.. I'll need to understand some input 1st only will go approach with APKP staff.

Thanks for your reply. appreciate it.
BTW, i got saja2 go count the total payment, the interest rate offered by the agent seems attractive if compared with 7% even with add on that agent fee.
Anyway, still not sure how true it is......

It has been hundred times we all said " no agent " AKPK is free and easy to apply. Still have ppl asking this, i also speechless.

Worst, they still wanna fall into the trap set by the agent, then later got problem "cry father cry mother" come in here to ask for help.

DONT USE SO CALLED AGENT!!!

Hey Guys I have some questions to ask since I have over leaps 3 month of credit payment due to financial difficulties. Today I have received a bank lawyer letter and asking me to pay for the 3 month outstanding and legal fees. So should I ignore since I have applied AKPK DMP 1st of July. Btw how long it’s take to process and get approval? I am stress and struggling. What is the % of success? My DB around 75k also recently I have keep getting outsourced bank agent told me they can offer me with 2% IR but I need to pay the 10% amount to let them proceed.

Argh!!!damn quite stress dunno when will i get to know the status and what is the approval rate ya? am I able to success get into AKPK? worry alot recently almost can't sleep well.

1 more question guy because I googled it and check what happen to me after enroll AKPK DMP. Is that correct once you entered AKPK DMP all you credit facility will be cancelled and credit cards will be cancelled as well? I saw another post that saying after you clear off everything on AKPK DMP you will also never had a chance to apply for any credit facility due to you joined AKPK <-- if this is applied for my whole life then I might migrate to another country after I settle down all the shit.. My another question is how do I know AKPK is settling my debts with the bank is there any place for us to check it out?

Thanks
Hope to get some knowledgeable person to help me out here.