Hi all,

My total debt with cc is around 13k:
Citibank RM5k
Direct Access RM8k

Im not sure whether AKPK will enroll my case. What do you think. Is is better to pay monthly to bank directly (after restructuring) or should i just refer AKPK

now im paying 700 per month just to clear the minimum payment..

bad things is... i dont smoke ( this sentence doesnt sound right, right..  )

i call bank last week, ask them for credit card restructuring..

convert all my balance into term loan, 5years repayment.. altogether CIMB + CITI i need to pay rm300+ for the next 5 years, which i think i can cope with that..

AKPK indeed is our last resort, the banker told me once in AKPK, ur chance to get any loan in future migh   reduce a bit, even u r cleared with AKPK. But of course i dont trust every single explanation form the banker.. they sure dont want me to bring this to AKPKm arnt they..