If u want to be quick and don't want visit AKPK many times . Bring your photostated IC , all ur up2date CC or loan statements . All this can be done in a day. CCRIS can be printed in the AKPK office .

Don't need CTOS . Yes from Bank NEgara . They have a CCRIS kiosk . Just use ur mykard IC and thumbprint scan and can be printed on the spot

If you want to enroll in our DMP, you have to attend AKPK’s DMP Briefing held daily at its headquarters in Kuala Lumpur (10.00am, 12.00noon and 3.00pm – Monday to Thursday and 10am & 12noon on Friday), or its branches in Penang and Johor Bharu. For other locations please check with our website or call our toll free number. This will help you decide whether you want to proceed or not.

DMP (Debt Management Programme) Application Process
Step 1: Public Briefing
 Customers are encouraged to attend a briefing session to understand the services of AKPK at any AKPK branches provided with the briefing facility (walk-in).
Day 10:00am 12:00noon 3:00pm
Monday Bahasa Melayu Bahasa Melayu English
Tuesday Bahasa Melayu Bahasa Melayu Bahasa Melayu
Wednesday Bahasa Melayu Bahasa Melayu Bahasa Melayu
Thursday English Bahasa Melayu Bahasa Melayu
Friday Bahasa Melayu Bahasa Melayu
 Branches without briefing facility, customer may see counsellors immediately.
 After the briefing, customers wanting to join AKPK's DMP must prepare the relevant documents prior to attend the counselling sessions.

Step 2: Documents Required
 Latest CCRIS Report from Bank Negara Malaysia
 Latest loan statements for all facilities
 Latest salary slip if employed
 If self-employed, please provide the proof of your income such as statutory declaration
 Latest EPF statement if you want to restructure your housing loan
 Legal documents (if any)
 Income Tax Statements (if any)

Step 3: Counselling
 With the complete documentation, the customer attends a one-to-one counselling session with AKPK’s credit counsellor.
Monday – Thursday 8.30am – 4.30pm
Friday & *Saturday 8.30am – 12.00noon
*Closed on Public Holiday
 In this session, the credit counsellor will do the assessment on your income, expenses and all the debts and will try to restructure your debts with reasonable monthly instalments.

Step 4: DMP Application
 If agreeable with the proposed plan and payment amount, the customer is required to apply for DMP enrolment through the Online DMP application.
 Upon completion of the Online DMP application, the customer is required to make the first payment to AKPK within 10 days from the date of submission.
 Customer should refer to any counsellors if he/she failed to pay the first payment.

Step 5: Confirmation of enrolment into DMP
 Within 14 days from the date of receipt of the customer's first payment (estimated), AKPK will advise the customer in writing regarding the status of the application and notify the respective Financial Institutions (FI) accordingly.

The DMP is extended to individuals who fall under these categories:
 Not adjudged a bankrupt
 Unable to manage one's own debts
 Must have a positive net income
 Not under advanced litigation process
 Loans taken are from institutions regulated by Bank Negara Malaysia
 Loan exposure of less than RM2 million

well u can pay more later when u can afford and then it will be less than 10 years .... atleast it helps u from spending more on ur CC and u will be forever slave to it.. but its ur choice

u have to check back with the banks wats the balance needed to pay ... then just directly pay off to the bank

all canceled , no need pay fees

definitely there will be finance charges, this is the fix interest that have been negotiated. if u want to clear faster , u can pay additionally to the outstanding account