Many Malaysian suffers quietly with their credit card debts. Many pays the minimum 5% payment every month and allow the remaining balances to accumulates with the 1.5% interest the following month. You just continue to pay with whatever you could afford and your debts keep accumulating. Many tried applying for personal financing hoping to settle their card debts but not realising that you could not get one anymore because the bank knows your debt. And many just continue to suffer quietly because debt is a shameful thing not realising that you actually got a solution to solve your problem. You may contact me at 012 3271699 and discuss this matter. You'll be surprised. Your privacy assured. Don't worry, this is not a Ah long scheme or Ah Long company.