You guys are GREAT, sharing all these info! Salute to the unselfish sharing.

Anyway b4 going for AKPK, one of the other moves can consider is Balance Transfer (usually they offer low interest rate for short period), that means u take some new credit cards with no annual fee, do one small transaction (perhaps buy petrol), pay that one up, then apply to transfer your other balances at 1.5% per month to new card at say 0.5% per month for the first 6 months. Per RM1000 of balance, savings per month is 1% or RM10. If you owe RM10k, you save RM100 per month in interest!

Of course, please don't increase the new card balance by spending again. Easier said than done

What happens if you miss an AKPK payment?