Hello, it is a fact that the current financial regulation is tough one for us to face. It is causing a lot of trouble to all of us.

I, like many others are in a state of panic. I think MOF should consider lifting the 3 year period of repayment of credit card debt. It would be better to provide options like max 6 years.. so the monthly payment would be less and affordable to many.

I know you had done the accounting But it would be good for us if the debt repayments are stretched to more than 3 years. We therefore need better options here while paying for our past mistakes. It will be grossly unfair to fix 3 years ..we don't have the money . How are we going to pay? We need more practical solutions to meet these regulations... let us choose affordable ways... don't fix the time period for us...

Since you have all the power, MOF, ensure the bank to fix low interest rates ... like 7% . Please follow the bank's demand blindly. The banks should follow your guidelines ... bank may say "rugi" if we cut like that, for me bukan rugi , but the correct word is kurang untung ...think about it MOF!

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