inspiron,

one thing to consider. AKPK will only help you ONCE in your lifetime. If they help you now, they cannot do it again in future if you stuck in deep debts. This is what I heard from the briefing conducted at my office.

it is more like last line of defence before bankruptcy. a visit to AKPK would never hurt, as long you are well informed on the decision you are going to make.

well, i'm not making it scary to go to AKPK, but it is nice to see your monthly minimum RM3,200 (must have been multiple cards) to RM800/month.

regarding the difficulties of applying loan/cc after your settled your AKPK, you might want to double confirm with them. I believe it depends on the bank's risk rating on you, not because you was saved by AKPK before.