I enrolled with AKPK since last year april. I can only say AKPK really can help if you really no more "jalan".

you can actually choose AKPK to temporary help you (choose the maximum tenure), and settle your debts when you are ready to do so.

any one with debts who can't pay or find difficulty servicing the minimum payment every month to your cc, you got no choice, go for AKPK.

after you enrolled. try to get more salary/income, or start some small business to make some money so that you can repay your debt faster.

you can still open up a business current account after you are enrolled to AKPK, only thing you cannot get loan/cc. think about it, that might be temporary only. if you do not settle it before bankruptcy, situation will become worst......

decide and do it immediately.

bro,

when we are under AKPK program, we knew that we cannot apply for CC any more due to our records already not so nice at bank negara.

Can i ask, is any bank offer service like i deposit RM20k to the bank, bank hold the money and give me a credit card with RM20k limit? without credit card is a problem when travelling over sea especially for hotel....

any one have any idea?

You can ask bank for discount for early settlement. I just settle all my account in June 2013.

All bank given me discounts, citibank, maybank, RHB, Ambank.........EXCEPT HSBC, you won't even get a cents of discount.

You just need to make a call to them to ask for it.

Good luck.

If you case already serious till legal action, better for you to go borrow money from your family and relatives to settle it. AKPK won't save you when come to this stage and it takes 2-3 months time to settle down with AKPK.

As for reference to others, go to AKPK unless you have really no choice. If small amount better don't go........

Dear all,

I settled all my AKPK debts in Jun 2013. I started to apply for credit cards to a few bank, some I never hold their credit cards, and it was still rejected my application? any one know why? I have check my CRISS record, it is clean, and only one home loan I am still serving.....

Some bank even directly decline my application online after click submission? Why is that so hard to apply credit card after AKPK life? Any AKPK officer here to advise?

Any good opinion how to get a credit card after AKPK full settled?

Please advise if any of you working at bank evaluating credit card application. What are the procedures and what can I do to make bank feel good with me? put in fixed deposit?

appreciate any good advices if you have.....

Dear all,

I settled all my AKPK in the month of June, I get my credit card approve by CIMB and OCBC in September.

I am getting my life back again with the banks.........