Sharing my experience after settled my AKPK .

1. Enrolled in 2014, total 5 cards about 80k+ outstanding. Pay 1.3k each month at 9% interest rate
2. Settled 2 cards for bsn n rhb. balance reduced to 40k in 2018 for ocbc, Citi and hsbc, made a stupid move by withdrawing the AKPK for self management, Citi and hsbc changed the status to restructured credit facility and allowing me to pay them with the same instalment, talked to both and hsbc changed the status to outstanding instead of restructured loan. Ocbc insisted on full settlement and managed to reach an agreement of splitting into 3 payments
3. Settled fully for citi and hsbc in Oct, ccris cleared in Nov
4. Apply for pbb credit cards and got the approval in Nov. I have a car loan 15k only.

AKPK helped me in the sense that I know how to manage my debts and financials