People are using more cash now. My sisters and some family members have told me that they dare not simply use their credit cards.

To buy big tickets like ellipticals or 42″ Plasma TVs, they will use cash they have saved up for some time.

They will not charge them into their credit cards or sign up for installments on credit cards like the old days.

This is good, isn’t? People have turned back to using cash now.

I have credit cards from few banks accumulated from the year 1998. Since then I was unable to pay off my credit cards as my financial situation getting worst and worst and credit cards interest increasing tremendously high!

From a $3000 credit card ended up till to date I am owing about $15000 for 1 card. Imagine I have 4 cards, altogether I’ m owing credit cards it self about 60000-70000k!!

I HOPE AKPK COULD HELP ME ON THIS. I AM PANICKING! PLEASE HELP ME!

Hi, Suzana Wong,

Hope that you are reading this post. Call to AKPK and make an appointment with their counselor.

I understand your panic and stress. I have been there before. Sometimes it’s not the credit card debt you owe that freaks you out. It’s actually the finance charges and late payment fees that add up so fast that you feel like suffocated.

Perhaps reading my bumpy journey from submitting my debt management application to being approved of the debt management program can give you confidence in getting debt free relief help from AKPK.

AKPK provides FREE services, don’t worry.

Before the debt management program, I thought my future would be bleaker and bleaker. Worked hard and paid off credit card debt day in day out until I settled my life. No extra cash in hand for a bit of entertainment.

There were days when I couldn’t bear with the haunting calls from banks and warning letters from creditors that I cried under my heated blanket. I was so helpless.

Do you know that your credit card companies and banks encourage you to get debt free help from AKPK?

I see there is an increase in the number of credit card users defaulting on their credit card payments and applying for AKPK debt management program to restructure their credit card debt.

If you are burdened by hefty credit card debt and keep defaulting on your credit card payments, pay AKPK a visit.

Or if possible, give up all your credit cards by applying for AKPK’s debt management program application.

Thanks to my debt management program (DMP) that I can pay off my credit card debt with a lower monthly payment.

Although all my credit cards have been terminated and I can only use cash, I don’t mind. This is because using cash to buy groceries, home appliances, industrial knobs or Christmas gifts doesn’t bring financial charges or late payment charges.

Sometimes, it’s not the credit card debt that suffocates you;it’s the financial charges and late payment charges that keep aading up.

Thinking of a Christmas gift idea? What about this zippered long credit card wallet?

It is perfect for travel, fits inside of a jacket or suit pocket easily.

A little bulky for back pocket of slacks but fits in jeans perfectly.

It keeps items secure and does not have a magnetic snap that could mess up the magnetic strip on your cards and is great for those days when you don’t want to hassle carrying a purse.

It has plenty of spaces for credit cards (19 + one window for id). There are slots on each side (under the credit cards) for currency, etc.

This zippered long credit card wallet is quality constructed with soft full grain leather.

It seems that many Malaysians are deeply in credit card debts and desperate to find ways to pay off their credit card debts or restructure their credit card debts.

I have already submitted my debt management program (debt repayment plan) to AKPK. I can only know if the application is approved or not in December. Of course, I hope it can be approved as soon as possible so that I can heave a relief. Imagine paying only $310 monthly for all credit card repayments!

If you are a Malaysian, loaded with credit card debts, desperate to restructure your credit card debts and ready to give up all your credit cards, read my posts related to AKPK the credit counseling agency for Malaysians.

It’s FREE to apply. Call up the agency and make an appointment with their credit counselor.

Again, it’s FREE service.