As i know, at times, akpk will delay payment to bank, hence the late pymt incurred. Bank will reversed the charges ince they update..
But the finance charges still apply..

Been with akpk about 2 years and each bank outstanding still about the same

my advise is to opt for akpk when you really have no choice, almost bankrupt

for my case, one of my card excluded
i guess its because i was the issuer's bank staff, so cant include to akpk

been about 2 years in akpk, still long way to go !