need advise.

i have bad credit card debts totalling to RM15k. now am looking to settle it by rescheduling the payment. i have called RHB and they said i need to pay 30% upfront then they will consider to reschedule monthly payment. the problem is i cant pay 30%. i am willing to pay RM1.5k only. they replied that nothing can be done if i cant pay 30%.

is this true that i have to pay 30%? any law or whatever that can support me if i only want to pay RM1.5k? or going to akpk is the best solution?

thanks.

thanks for the advise.

i discuss nicely with the officer and she allow me to split the upfront payment to 3 times. the interest will be stop after my 3rd upfront payment. i explained to her that i really want to settle the debt as im the one who called rhb + my financial for the past 2 years is not good. now im able to pay at least 900/m to settle this in a year.