Yes of course u can.

I'm also an ex-AKPKian, just settled it in Dec last year. Now, i got my million dollar housing loan approved and premier credit cards in hand.

Rest assure, after full settlement, get the release letter from banks, then go akpk office to close account.

Once your ccris clear, you may start your financial plan.

Nope. it depends. I first apply uob credit card, i would say this is the easiest credit card to get, even your ccris clean & shine. After 6 mths, u can start apply other bank cc.

if apply housing loan, pls submit cc application together, higher chance to get approved.

in just 6 months after released from akpk, my mortgage loan approved, 1 premier banking credit card + 2 visa infinite.

35. may b i got some luck too. i applied my cc from sales agent, not sure if it helps but earlier i tried to apply online also kena reject straight.

UOB cc - applied from sales agent, just cancelled after i got my VI & premier card
CIMB VI - applied together with HL
hsbc premier - applied together with HL
SC VI - applied from sales agent too after i got rejected from hsbc online application

80% & 90%.

I have both salary & business income. before i submit loan application, i asked consultant/experience banker to assess my document first, to make sure i get the loan.

For your case, you may ask for appeal. Show bank your FD to get higher %. better use mayban FD account if you want to create 1, coz maybank fd acc show total, but not fd detail with the DATES you pumped it the money, unless u click into the detail. So screenshot the page showing the total is enough.

apply cc together with HL, easier approval as HL team already done your credit assessment. I got my CIMB cc approved even before they approve my HL.

i guess the chances for ex-AKPKian to get cc from online application is very low. better ask agent to do it.

Congrats!