I will apply the AKPK soon, however there's a question in my mind.
My friend told me that once applied with AKPK, if planning to travel overseas you're not allowed unless approval letter from company is provided. It's truth?

Because my job required me to travel frequently and I'm not afford to let my company know. Can anyone able to clarify this for me?

Noted all your advise, i have all the release letter from bank and have forwarded to AKPK and i called up today, they say two more bank they have not close account should be able to close everything next week. I'll try to apply personal loan after that. Thanks for the advise bro.

NEVER try to apply any facilities from those banks when u're in AKPK program, they won't approve you if u quit and apply anything such CC, PL from them.

what my experiences is after quit from AKPK, apply other banks which mean I don't have akpk restructuring loan with them during DMP period and they approved my CC application smoothly...

I'm currently under AKPK and still have many years to service my debt.

However, due to work related matters, I needed a car to move around.  I wanted to buy a second-hand car & I need a loan of RM30k to finance it.  I approach a couple of banks, all were rejected.  The last and final bank I went to, check the CCRIS and obviously my name was in it.

I explained and showed to the bank that after servicing the AKPK monthly installments, I can still manage the car installments.  The bank reviewed my case, was very helpful & based on the fact that I have worked in my current company for the past 20 years & my salary will be stable, the bank approved my car loan of RM30k to be service for 7 years instead of five years. 

I am very grateful for the very kind bank officer who took the time to review my case and did not chuck my file into the tong sampah like the rest of the bank I went to before them.