sorry for asking question from a old old old post, for credit card, we can nego with bank to cut it and turn it into term loans, how about personal loan?
like rhb easy borrow 11k, payment period 60 months, and now had paid for 15 months, which is RM300 per month. interest is 11 or 13%..i forgot.

how ?

if i joined akpk, then can my friend or bro sub a card to me?

still can gah? so good?

but i still receive call everyday from citibank, and rhb bank via sms.
i applied and received letter on december 2013, so far, i had made 3 times payment to AKPK.

by the way, the letter that sent to me by AKPK didnt list out the percentage of the total amount of debt.
May i know how to check it? As per refer from the bank statement, it is still stating 17% per a.m.

How to know the percentage?

Actually I remember few yeaes ago I receive a letter from akpk saying my interest reduce to 7 or 9 %. Bu5 actually I didn't care about the interest is really reflected in bank credit card there..

After few years , I cincai check my bank statement, I found it. All the while is charging 18% as the usual charges. What can I do?

Actually take an example , my Hong Leong bank credit limit is 3000. I had used up to almost 3000before i enter akpk.
Now already 3.5 years, everynonth 50 to hlb.
About 1800 I pay. But hlb syatement still show 3000 owe them.

Can I ask them that I paid 1500 to 2000 to settle it off. I mean direct to bank.

i enrolled in akpk since end of the year 2013. i didnt check much about my statement, i just paid for RM400 to akpk every month. and i did receive a letter saying the interest will be 9% instead of 17.9%

recently i found my hong leong bank statement, the card was 3000 credit limit. lets say i had swiped 3000 before enrolled in akpk. i noticed that the statement showed that my interest is remain the same, 17.9%, and the outstanding balance has accumulated to RM3200-3300. which means, even akpk did pay my installment of of RM50 to hong leong, but it has not changed anything.

by the way, i saw uob and citibank statement, they are 7 or 9 % interest, and the outstanding balance also less than the amount before i entolled in akpk.

i wonder what i can do? will hong leong bank recalculate the whole interest all these 4 years?

PS:sorry for my poor english.

yes..more than 3k (lets say i swipe up to 3k before enroll akpk)

but other credit card like uob, also 3k max, now have become 1.8k after so many years.

i believ hlb no reduct the interest rate.

yup. uob bank also offered me quite a great discount.. RM9XX become RM5XX.

I am same with you. now look for some discount and wish to settle it

Just now called with Citibank AKPK department, at first the girl die die also said no discount. then i asked her to talk to superior , she later then told me can discount like this:
RM4220 ---> RM4,000
RM1330 ---> RM1,200

should i accept or anyone know how or who should we contact in order to get higher discount ? I think this girl's department seems like not that know the waiver or discount. Please advise. I want to settle asap.

And also RHB and Hong Leong, is there any discount or waiver?

is there any discount or waiver? for this citibank

Hi wewa25, can i know how you contact them? coz the one i contacted now, they only giev me 5% or less than and keep on saying no discount. they said they are collection akpk department. i hope to settle also, i have 2 term loan with citibank, one is RM1330 , one is RM4220.. Can advise the number or person to look for ?

oic.. haiz.. really hope i can get offer some nice amount. or percentage off

Jusy now have a call with RHB. They are the same . They even dare to say already give rebate. Who has success in RHB?

U mean u still owe PTPTN Rm16000? Why u dun just talk to ptptn and ask for repayment plan.

My friend owed more than 50k. After discussion, monthly payback is Rm200

Yalo. Foreign bank is better than this malaysia bank

i abit glad that, HLB asked me no need to pay anymore.. and consider SETTLE

i did hear from cari forum that someone wrote that HLB never changed their interest rate even u r in akpk programme. then they will keep on charge u 18% interest.. so my case is, i owe them about 2.9k. i enrolled in dec 2013. and on last year i noticed that the outstanding is RM3300. then i asked HLB what happen.. then in the next month, they changed it to 6%.

so on this month outstanding is about RM2.8k

i called and ask for recalculation and i wished to settle the outstanding. they said will recalculate my account, then few days later call me and said i no need to pay anymore.

then i tried to use 6% to calculate, its real. and i had overpaid them less than RM100. but i know that sometimes i late payment to akpk, and hlb did charge me late charges. i think plus and minus should be around Rm100 that i overpaid (i only calculate with 6% interest, i didnt add in any RM10 late payment). so i didnt call back and asked why i paid extra blah blah blah.

SO MY ADVICE TO EVERYONE, IF UR AKPK PROGRAMME INCLUDE HONG LEONG BANK...DO CHECK YOUR ACCOUNT, AS MY CASE IS NGAM NGAM 3K AND ABOUT 6-7 YEARS CAN SETTLE (MONTHLY PAYMENT RM50). I SAW FROM CARI FORUM, THAT GUY EXTRA PAID CERTAIN AMOUNT TO HONG LEONG BANK AND SUCCESSFULLY CLAIM IT BACK LATER. BUT MAFAN LOH

Actually I also no black and white for the recalculation interest charge by that HLB staff. I also duno is it have excess payment. But if have. It should be less than rm100

akpk dun entertain HP. so u only can enroll with personal loan and credit card

u mean check the estimate tenure ? the interest keep on running from hong leong bank, how akpk website can check if i excess payment.