My monthly nett income 2.6k, current CC debt around RM6k, (over limit by 2k than my approved cc limit)
My monthly commitment
Personal Health care insurance - RM200
Car Installment - RM600

monthly am i suffering interest charges like RM70++ till now overlimit i cannot use my CC anymore. I can't do a BT programme too cuz so far no other banks approve my CC application.
What are your advices, should l let AKPK handle this?