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@josula OP is nowhere near having financial crisis yet, asking for AKPK to step in at this point will leave a mark in OP's ccris and it will affect OP's future loan, cc application

@lindaleigh A. You should clear your personal loan and cc loan as the interest rate is super high (at least 16%). Your asb dividend won't be able to beat it (which is around 6-8%). But whether is it okay to take out from asb or not need others to comment as I'm not familiar with it. For PL...