when join akpk or already exit it, banks consider the person as "high risk" thus Hard or No loans for them 

total 1mil debt   why he waited until that much.. 

Sometimes it has nothing to do with being in AKPK or not, just simply his past records. Banks have risk management process to determine if they want to give out loans to certain individuals and they will have their own method or calculating those risks.

Being in AKPK is more likely a correlation to the likelihood of being rejected for loans rather than a causal point. After all, people do not go to AKPK because they are financially well off, so more likely than not their past financial records would have been very poor to begin with.

It's true once u get into akpk ur name will fall into " high risk' or special attention account. But once u settle off, after 1 year u can reapply for credit card or others loan facilities. subject for bank approval =)
normally bank practice is 1 year after settlement of akpk

wow.. better rate than ah long ?