BELOW IS CREDIT CARD TEMPLATE

We can help you lower your monthly commitment

By solving high credit card debt problems

A group of five people on a stage at an awards ceremony, with a large screen behind them displaying text and graphics. The individuals are dressed in formal attire, some wearing sashes and holding awards, and they are smiling.

Low interest bank loans can easily solve high credit card debt issues

But applying for bank loans can come with various difficulties and challenges

✅ We can help you get the lowest interest rates starting from 2.85%

✅ Helped over 10,000 customers reduce their debt problems

✅ Over 7 years of professional bank loan consulting experience

✅ 100% bank loan solutions for credit card issues

✅ We offer professional free consultations

✅ Absolutely no upfront charges

Why is high credit card debt a problem?

Here’s a case with RM200K credit card debt to let you understand

Detailed credit report showing banking accounts, credit card transactions, and balances with annotations in red highlighting past commitments of approximately RM200,000 with a 5% fee, and a total outstanding balance of RM205,499.

A detailed credit report for banking accounts, showing various account details, transaction dates, balances, and notes about credit cards and commitments, with annotations highlighting emergency credit card management and a specific financial calculation.

The issue with high credit card debt:

Issue 1: Paying the minimum payment increases your monthly commitment, RM200,000 credit card debt x 5% = RM10,000/month burden

Issue 2: Credit card interest is the highest, up to 18%/year

Issue 3: Short repayment terms, RM200,000 / 36 months = RM5,555/month

Issue 4: High commitment for banks, making it difficult to get any loan approved

So what's the solution?

Solution 1: Low-interest loan to cover credit card debt, RM200,000 from RM5,555-10,000/month down to minimum RM2,100/month

Solution 2: Clear your credit card debt while keeping your card for emergencies

Solution 3: Through us, reduce high commitment first, greatly increasing approval rates

Besides that, we've helped thousands of customers …

Reduce commitment, settle credit card and high-interest loan.
Credit cards and bank loans, combine into one loan.
Resolve bad repayment history/blacklist issues and then apply.
Get lowest interest loans, as low as 2.xx% (personal/business loans).
Get high amount loan up to million (personal loans) and tens of millions (business loans).

Customer reviews and case studies

A review comment from a client named Balqis Aminuddin praising Emily from Intelligent Consultancy for help managing finances, highlighting their results-oriented approach and tracking impact.

Screenshot of a Google review with five-star rating for a financial services agency.

Screenshot of a social media comment from shenshen ulidi channel praising Emily for helping him secure a personal loan and paying off debts.

A screenshot of a Google review from Noor Airin, showing a five-star rating, posted three months ago, with textual feedback praising the refinancing process and customer service, accompanied by a thumbs-up icon, and a blue like count of 15.

Bank personal loan interest rates starting as low as 2.85%/year

A spreadsheet table showing profit rates for different tenure periods and various amounts in Malaysian Ringgit, with columns for tenures from 2 to 10 years and rows for amounts from RM50,000 to RM250,000.

Contact our expert consultants now!

We'll settle your credit card issue & get your bank loan approved.

Below is DEBT CONSO TEMPLATE

We can help you lower your monthly commitment with cash on hand.

We will settle your credit card and high-interest loans.

Group of five people standing on stage at an award ceremony, with a large screen behind them displaying an award for best bank loan financial advisory of the year.

The individuals are dressed formally, with some wearing sashes and medals, and one holding a framed certificate and a small trophy. The stage has multiple spotlights, and the atmosphere appears celebratory.

Low-interest bank loans can easily reduce your commitment significantly.

But applying for bank loans can come with various difficulties and challenges.

✅ We can help you get the interest rates starting from 2.85%/year

✅ Helped over 10,000 customers reduce their debt problems with cash on hand

✅ Over 7 years of professional bank loan consulting experience

✅ 100% bank loan solutions for high commitment issues

✅ We offer professional free consultations

✅ Absolutely no upfront charges

Why is high commitment a problem?

Here’s a case: RM5K salary with a high-interest loan and credit card to help you understand.

Before

A salary slip showing basic salary of 5,500.00, transportation allowance of 200.00, and various deductions including KWSP of 627.00, SOCSO of 24.75, SIP of 9.90, and PCB of 241.75. The net salary is approximately RM4,796.60, highlighted in red with a note indicating this is the "Nett Salary".

A detailed credit report showing multiple banking accounts, their outstanding balances, and transaction dates. Specific figures include a ₹76,000 balance, a ₹75,914 balance, and credit card charges of ₹14,688 with a 5% interest calculation of ₹734.40, along with other financial details.

After

Highlighted section of a financial document showing loan approval details, including approved amount of RM 200,000, ten-year term, 3% interest rate, and monthly payment of RM 2,195, with notes about a revised commitment of RM 2,223, cleared credit cards, and cash on hand of RM 45,000.

The issue with high commitment:

Issue 1: Difficulty in paying monthly commitments with no extra cash for personal expenses.

Issue 2: High credit card or personal loan interest, up to 18%/year, making it seem impossible to fully settle the debt.

Issue 3: Might lead to late payments or AKPK as a last resort.

Issue 4: High commitment makes it difficult for banks to approve any loan.

So what's the solution?

Solution 1: Low-interest loan to cover credit card and other high-interest loans, Eg: RM200,000, with instalments starting from RM2,100/month.

Solution 2: You will have cash on hand even after reducing your commitment.

Solution 3: You are assured that you can finish paying the loan and have extra cash every month.

Solution 4: Through us, reduce high commitment first, greatly increasing approval rates.

Besides that, we've helped thousands of customers …

Reduce commitment, settle credit card and high-interest loan.
Credit cards and bank loans, combine into one loan.
Resolve bad repayment history/blacklist issues and then apply.
Get lowest interest loans, as low as 2.xx% (personal/business loans).
Get high amount loan up to million (personal loans) and tens of millions (business loans).

Customer reviews and case studies

Customer review for Emily from Intelligent Consultancy, praising the results-oriented approach for managing finances.

Review titled as 5-star review from Raihan Abdul Somad, posted 3 months ago. Text expresses satisfaction with a financial agency, mentioning help with consolidating credit card debt and loans, no upfront payments, patience needed, and trust in the agency's reliability.

Review snippet from Noor Airin, showing a 5-star rating, 17 photos, 3 months ago, with a positive review about refinancing process, mentioning agent and friendly service, with 15 likes.

Bank personal loan interest rates starting as low as 2.85%/year

A spreadsheet table showing profit rates and monetary values for different tenures, with total figures in Malaysian Ringgit (RM), sorted from shortest to longest tenure.

Contact our expert consultants now!

We'll help you reduce monthly commitment and have cash on hand.

Below is 7 killer landing page (PLOAN)

Did you know that 90% of bank loans get approved? But banks never tell you how to make it happen.

If you don't work for the federal government(tiger logo payslip), have a 6-month record with any facility (like a credit card, car loan, mortgage, personal loan, etc.), and don’t have two months late payments in a row or blacklists (except RM3K basic and above), your approval rate is 90%.

Stacks of gold coins decreasing in height from left to right with a red schematic arrow and the text 'INTEREST RATES' pointing downward.

Did you know? The average person with multiple debts pays up to 50% more in interest than necessary.

Want to cut your monthly commitment by 70% or get some extra cash without getting rejected?

Approval can be in just one week, even if you've been rejected by banks before.

Apply Now

A vintage key resting on a wooden surface beside a torn piece of paper with the word "TRUTH" printed on it.

Misconceptions About Bank Loans:

High commitments, high credit card usage, and low scores mean you can’t get approved. (WRONG)

Interest rates are always high, specially for the private sector. (WRONG)

You can only get a small personal loan amount, like RM150K. (WRONG)

A woman sitting at a desk, looking at her watch with a worried or stressed expression. There is an open laptop, a folder, a notepad, and office supplies on the desk.

Plus, getting bank loan might not be easy…

You might be trying to consolidate your debts or get some extra cash, but you keep getting rejected or stuck with high-interest loans. This can make you rely on your credit card even more or look for other risky ways to get funds, which isn't ideal.

But don’t worry, we have a solution. We can help you get the lowest interest rates in the market to combine all your loans and credit cards into one account or get the cash amount you need.

Bank personal loan interest rates starting as low as 2.7%/year

Financial table showing profit rates per annum for different tenures and amounts in Malaysian Ringgit (RM).

Here’s what is possible…

Interest starts from 2.7%/year, up to 10 years (even private sector), allowing you to consolidate all your high-interest debts and reduce your monthly payments by up to 70%.

Get personal loans up to RM1 million for personal use, investment, or business, solving your cash flow issues.

Clear your late payment records (if your basic salary is RM3,000 and above), maintaining good standing with banks and enabling you to apply for future loans.

High Business Loan Amounts up to RM30M. Get the lowest interest rates for working capital, helping you expand your business and increase profits.

Apply Now

But, getting a bank loan can be tough unless you consult an expert with at least 5 years of experience and handled billion in approved loans.

A group of five men standing on stage at an awards event. They are dressed in traditional attire, with some wearing blouses and batik sarongs, and others in suits. They are holding a certificate and a trophy, smiling, and showing thumbs-up gestures. A large screen behind them displays text about an intelligent consultancy award.

Group of six people standing on stage during an award ceremony, holding a certificate, in front of a large digital screen displaying awards and logos, some giving thumbs-up.

Two magazines titled "A Malaysian Guide: Intelligent Personal Loan" and a partial view of a man in a suit on the cover, placed on a wooden surface with a keyboard nearby.

With good customers’ reviews…

A Google review by Balqis Aminuddin praising Emily from Intelligent Consultancy for helping manage finances with a results-oriented approach.

Google review by Raihan Abdul Somad praising Emily consultant for financial assistance and loan consolidation.

Screenshot of a Google review by Noor Airin with five stars, posted three months ago, praising the refinancing process and mentioning friendly agent, questions answered, and quick service.

With best bank loan approval records…

Messaging screenshot with a red banner at the top labeled "Consultant: Keith" and a red box with white text saying "APPROVE 200K PERSONAL LOAN." The conversation includes a message from Yusmar asking about a banking information and details about a loan approval, including financing amount, tenure, monthly installment, and the banks involved such as Public Bank, AEON Credit, and HSBC Malaysia.

A WhatsApp conversation in Malay about a personal loan of 200,000 KL Malaysian Ringgit for 10 years, with an approval notice of 2.45% interest rate, and a message stating the loan details and monthly installment of RM2081.

WhatsApp chat screenshot showing a loan approval message with details about the loan amount, interest rate, monthly payment, bank charges, and debts, along with a few subsequent messages asking about the outdated information and the debt owed.

A screenshot of a WhatsApp chat confirming a loan approval of 110,000 Malaysian Ringgit, with details about the loan amount, interest rate, tenure, and repayment amount, displayed on a phone.

But we understand you might have concerns…

Yes, we do this by securing the lowest interest rate based on your profile. In addition to the cash on hand you receive, we can also settle all your credit cards and high-interest personal loans, significantly reducing your financial commitments.
Definitely not. We will carefully assess your profile and resolve any issues before proceeding with any application.
In fact, we will help improve your credit score by reducing your credit card usage and commitments.
Bank personal and SME loans usually have terms of up to 10 years. A longer tenure means lower installments, while a shorter tenure means less interest paid.
You can freely choose the tenure that best fits your objectives.
We have helped thousands of customers obtain bank loan approvals. We are a bank loan advisor and do not provide loans from our company.
We are an award-winning company with 3 branches. Our staff will provide you with a verification link when they contact you, so you know you are dealing with our staff.
It is against our company policy to collect any processing or upfront fees from our customers.
If someone requests fees before the loan is fully disbursed to your account, they are definitely not our company's staff and are likely scammers.
When our staff contacts you, they will provide a link to verify their identity, so you can be sure you are dealing with our staff.
If you have been late on bank loan payments for 2 months previously, blacklisted, or in AKPK, we accept if you have a basic salary of 3K or more, we can advise and guide you to settle debts before applying for a bank loan.
You can apply if under state government (PKNS, Penang Water Supply PBAPP, etc.) or GLC (Sime Darby, Petronas, etc.).
We do not accept if under the federal government (army, police, government school teachers, etc.).
Yes, you do not need to be in KL, even if you are in Sabah, Sarawak, or overseas like Singapore, Dubai, Australia, etc. We can do it online and assist with your loan application.

Good news for you…

Recently, many banks have started offering lower interest rates from 2.7% with government promotions, making approvals easier. But policies can change without warning.

The best thing you can do is get a free consultation to see how we can help you reduce your monthly payments by up to 70% or get a high amount of cash for personal use or business expansion.