JohariCredit & Debt Specialist
012-982 0789

Payday comes, and debt takes it all?

I help restructure your credit card and personal loan commitments, so your monthly payment gets lighter and you can breathe again.

WhatsApp Johari Now

Don't be shy. Just send a message first.

Johari, Credit and Debt Specialist
JohariFinancial Consultant, Vantage Elite Group

DMP calculator

How much could you free up every month?

RM
RM

Not sure? Leave it blank and we'll use 5% of your debt, a typical figure.

You pay nowRM2,500
After DMP (estimate)RM500
Extra cash every monthRM2,000
Over 12 monthsRM24,000
Over 24 monthsRM48,000
Check if I qualify on WhatsApp

Estimate only. The DMP payment is shown as 1% of your total debt, based on typical cases, and depends on the check and the bank's approval. Extra cash is the difference in monthly payments, not a reduction of your total debt.

See the full table →

Sound familiar?

If this is your story, we should talk.

A man holding his head while reading a bill
  • Your credit card balance keeps piling up, and you can only pay the minimum.
  • You pay every month, but the balance barely moves.
  • Your salary is gone to commitments before you've bought groceries.
  • Your account is already under SAA or legal action, and you don't know where to start.

How I can help

Three ways out, depending on your situation.

Sorting out financial documents
DMP

Debt Management Program

For when your credit card and personal loan commitments are too high. Your total debt is restructured into a new monthly payment.

DMP is not a loan offer See the DMP savings table →
Requirements
  • Malaysian citizen
  • Everyone can apply except bankrupts, including SAA and legal cases
  • At least 1 credit card
  • Personal loan and credit card older than 6 months
  • Personal loan not through Angkasa or salary deduction
Ask about DMP on WhatsApp
A calculator on a work desk DCL

Debt Consolidation Loan

Combine your debts under one loan, so they're easier to manage and your monthly commitment is more organised.

Basic or net salary of RM5k
Ask about DCL on WhatsApp
A hand holding a credit card in front of a laptop CCi

Islamic Credit Card

A card to help organise your finances, not to overspend.

Requirements
  • Malaysian citizen, aged 21 and above
  • Working in Malaysia, Singapore or Brunei
  • Minimum gross salary of RM2,000
  • With the same employer for at least 6 months
  • Clean CCRIS and CTOS records
  • No CCRIS arrears, SAA, bankruptcy or DSR burst
Ask about CCi on WhatsApp

DMP savings table

Find your debt, see the difference.

For credit card and personal loan debt. Everyone can apply except bankrupts.

Total debt You pay monthly After DMP Extra each month Over 12 months Over 24 months

← Swipe the table sideways to see every column →

Calculated with a current payment of 5% and a DMP payment of 1% of total debt. Estimates only.

Personal loans through Angkasa or salary deduction (payslip) are not included.

How to start

Three steps, all on WhatsApp.

Someone typing a message on a phone

  1. WhatsApp me

    Briefly tell me about your debts and current commitments.

  2. Send your latest eCCRIS report

    Get it free from Bank Negara's eCCRIS portal. It shows your real position, so the check is accurate.

  3. I check your eligibility

    I'll explain which option fits you: DMP, DCL or CCi.

No report, no check.

FAQ

What people usually ask.

Is DMP a new loan?

No. DMP is a debt restructuring program to help reduce your monthly commitment, not a loan offer.

What's the difference between DMP and DCL?

DMP restructures your existing debt. DCL is a loan that consolidates your debts, and needs a basic or net salary of RM5k.

My account is already under SAA or legal action. Can I still join?

For DMP, yes. Everyone can apply except bankrupts.

Can an Angkasa personal loan join DMP?

No. Personal loans through Angkasa or salary deduction aren't included.

My salary is below RM5k. Any options?

The RM5k requirement is only for DCL. The Islamic credit card starts from a gross salary of RM2,000, and DMP has its own requirements above.

Is the calculator figure final?

No. It's an estimate based on typical cases (1% of total debt). The actual payment depends on the check and the bank's approval.

LIVE

Got questions? Ask me live on TikTok.

I go live on TikTok regularly to answer your debt questions. Follow so you get notified when I'm live, then ask straight in the comments.

  • Credit cards and personal loans
  • DMP, DCL and CCi eligibility
  • SAA, legal and CCRIS issues
Follow me on TikTok @akashiyokozuna

Recent live highlights

Johari
Credit card debt piling up? WhatsApp me quickly. Don't be shy.

About me

I'm Johari, though most people call me Joey. I'm a Financial Consultant at Vantage Elite Group Sdn Bhd. My job is simple: help people reduce their monthly commitments and restructure debt through DMP and DCL, and help with Islamic credit card applications.

Start with one message today.

Have your latest eCCRIS report ready, then WhatsApp me for a check.

WhatsApp 012-982 0789