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        <title>Lowyat.NET: Latest topics by CN_Choo</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sat, 26 Sep 2026 12:41:09 +0800</lastBuildDate>
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            <title>Not enough money to pay credit card minimum pay</title>
            <link>http://forum.lowyat.net/topic/2478807</link>
            <description>&lt;span style='font-family:Optima'&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;span style='color:orange'&gt;&lt;b&gt;Not enough money in hand to pay credit card minimum pay?&lt;br /&gt;&lt;br /&gt;Unable to make credit card payment on or by due date?&lt;br /&gt;&lt;br /&gt;Looking to reduce payment commitment for credit card?&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style='color:blue'&gt;&lt;br /&gt;&lt;span style='font-size:16pt;line-height:100%'&gt;Here&lt;/span&gt; &lt;/span&gt;we have a program called Credit Card Minimum Pay Scheme (MPS). &lt;br /&gt;This program is open to those credit card holder who are unable to make minimum payment by or on the due date with condition the credit card is active. &lt;br /&gt;The program help to reduce your payment on minimum due amount request by bank.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style='color:blue'&gt;By participated in this program: &lt;/span&gt;&lt;br /&gt;- You can reduce you monthly minimum pay to your affordable amount&lt;br /&gt;- No late payment charge even your payment is underpay of the minimum payment or current due&lt;br /&gt;- Rebuilt your financial record and easier for you to apply other PL or CC&lt;br /&gt;- Help to manage your debt and you can settle all the outstanding&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Contact us before your card been terminated&amp;#33; Please &lt;span style='color:red'&gt;email&lt;/span&gt; your latest credit card statement to &lt;span style='color:red'&gt;credicardmps@gmail.com&lt;/span&gt;&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style='font-family:Courier'&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;span style='color:blue'&gt;LIKE US ON OUR &lt;a href='http://www.facebook.com/kadkredit.minpayskim.mps' target='_blank'&gt;FACEBOOK&lt;/a&gt;...&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;</description>
            <author>CN_Choo</author>
            <category>Services Noticeboard</category>
            <pubDate>Wed, 22 Aug 2012 19:03:47 +0800</pubDate>
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            <title>Credit Card &amp;amp; Personal Loan Debt Consolidation</title>
            <link>http://forum.lowyat.net/topic/2468265</link>
            <description>&lt;img src='http://www.alliancebank.com.my/ABMB/media/MyLibrary/ABMB/Images/Contentimages/AllianceCashFirst_thumbnail.jpg' border='0' alt='user posted image' /&gt;&lt;img src='http://www.alliancebank.com.my/ABMB/media/MyLibrary/ABMB/Images/Contentimages/AllianceCashFirst_thumbnail.jpg' border='0' alt='user posted image' /&gt;&lt;img src='http://www.alliancebank.com.my/ABMB/media/MyLibrary/ABMB/Images/Contentimages/AllianceCashFirst_thumbnail.jpg' border='0' alt='user posted image' /&gt;&lt;img src='http://www.alliancebank.com.my/ABMB/media/MyLibrary/ABMB/Images/Contentimages/AllianceCashFirst_thumbnail.jpg' border='0' alt='user posted image' /&gt;&lt;img src='http://www.alliancebank.com.my/ABMB/media/MyLibrary/ABMB/Images/Contentimages/AllianceCashFirst_thumbnail.jpg' border='0' alt='user posted image' /&gt;&lt;img src='http://www.alliancebank.com.my/ABMB/media/MyLibrary/ABMB/Images/Contentimages/AllianceCashFirst_thumbnail.jpg' border='0' alt='user posted image' /&gt;&lt;img src='http://www.alliancebank.com.my/ABMB/media/MyLibrary/ABMB/Images/Contentimages/AllianceCashFirst_thumbnail.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='http://www.alliancebank.com.my/ABMB/media/MyLibrary/Shared/Logo/ABMB_logo.jpg' border='0' alt='user posted image' /&gt;&lt;span style='color:red'&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;b&gt;Alliance CashFirst Personal Loans &lt;/b&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;provides you the financial needs be it for personal or business use. You can now enjoy greater flexibility on your finances with monthly installments as low as &lt;b&gt;RM103&lt;/b&gt;*&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;DETAILED BENEFITS&lt;/b&gt;&lt;br /&gt;•Monthly installments from as low as &lt;b&gt;RM103&lt;/b&gt;*&lt;br /&gt;•FLEXIBLE loan tenure of up to &lt;b&gt;7&lt;/b&gt; years&lt;br /&gt;•&lt;b&gt;NO&lt;/b&gt; Processing Fee&lt;br /&gt;•&lt;b&gt;NO&lt;/b&gt; Early Settlement Penalty&lt;br /&gt;•FAST approval&lt;br /&gt;•NO guarantor or collateral required&lt;br /&gt;•EASY repayment via IBG&lt;br /&gt;&lt;br /&gt;&lt;i&gt;*Based on loan amount of RM5,000 for 7 years tenure.&lt;/i&gt;[I]&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;CASHFIRST BALANCE REFINANCING&lt;/b&gt;&lt;br /&gt;Consolidate up to a maximum of 4 Credit Cards and/or Personal Loans commitments into ONE single monthly repayment&lt;br /&gt;help you&lt;b&gt; BETTER CONTROL &lt;/b&gt;over your &lt;b&gt;CASH FLOW &lt;/b&gt;especially for Credit Card holder as after consolidation you will &lt;b&gt;enjoy a LOWER MONTHLY INSTALLMENT&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Who can apply?&lt;/b&gt;&lt;br /&gt;•Malaysians and permanent residents working and residing in Malaysia only.&lt;br /&gt;•Malaysians working in Singapore, but residing in Malaysia will be considered.&lt;br /&gt;•Age requirement: &lt;br /&gt;     a.minimum 21 years old&lt;br /&gt;     b.maximum 60 years old (upon maturity of Facility)&lt;br /&gt;•Income requirement: minimum gross monthly income of RM3,000 or RM36,000 per annum.&lt;br /&gt; &lt;br /&gt;&lt;br /&gt;&lt;b&gt;Fees &amp;amp; Charges&lt;/b&gt;&lt;br /&gt;a) Processing Fee     &lt;br /&gt;No processing fee.&lt;br /&gt; &lt;br /&gt;b) Early Settlement Penalty     &lt;br /&gt;Only a 3 months&amp;#39; written notice or 3 months&amp;#39; profit rate in lieu of such notice is required. &lt;br /&gt;&lt;br /&gt;c) Compensation charges on late payment     &lt;br /&gt;1% p.a on installment amount overdue, accruing from the due date up to the date of settlement.&lt;br /&gt;&lt;br /&gt;d) Stamp Duty Fee &amp;amp; Handling Fees[as per Stamp Duty Act 1949 (revised 1989)] &lt;br /&gt;0.55% on total approved loan amount to be deducted from loan. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style='font-family:Arial'&gt;&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;b&gt;Any inquiry please contact &lt;span style='color:red'&gt;0164190033&lt;/span&gt; or &lt;span style='color:red'&gt;cnchoo@hotmail.com&lt;/span&gt; or &lt;span style='color:red'&gt;pm&lt;/span&gt;&lt;/b&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;--------------------------------------------------------------------------&lt;br /&gt;&lt;b&gt;&lt;span style='font-size:12pt;line-height:100%'&gt;&lt;span style='color:red'&gt;Not enough money to pay credit card minimum pay  ---&amp;#62; &lt;a href='http://forum.lowyat.net/index.php?showtopic=2478807&amp;st=' target='_blank'&gt;Click here&lt;/a&gt;&lt;/span&gt;&lt;br /&gt;&lt;span style='color:blue'&gt;Credit Card ---&amp;#62; &lt;a href='http://forum.lowyat.net/index.php?act=ST&amp;f=162&amp;t=2414550' target='_blank'&gt;Click here&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style='color:green'&gt;Any inquiry, please feel free to drop me your  e-mail to cnchoo@hotmail.com &lt;!--emo&amp;;)--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/wink.gif' border='0' style='vertical-align:middle' alt='wink.gif' /&gt;&lt;!--endemo--&gt;&lt;/b&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;</description>
            <author>CN_Choo</author>
            <category>Services Noticeboard</category>
            <pubDate>Mon, 13 Aug 2012 14:31:33 +0800</pubDate>
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