Im not familiar with Ar Rahnu, but as far as I understand, they are not a bank, so it leads me to believe that they do not participate in reporting to CCRIS thus they have no access to them. As such, they wont be able to check your CCRIS so they wouldnt know that you are in AKPK.

Having said that... as a Muslim i do suggest that you stay away from all those Ar-Rahnu "gold" thing. They don't sound right and smells like a ponzi (which is haram) to me. I am not qualified to talk about it more than that, I suggest you look into it and decide for yourself.