u/Away_Time752

Hi M30, salary is around RM5.7k after deductions. I am about to hit my cc (Maybank ikhwan gold) limit of RM10k by end of May due to some family matters. Anyway, my current commitment leaves me with around RM1.5k left monthly. My cc cycle are as follow:

Statement date: 15th
Payment due date: 4th of next month
Current outstanding: RM5.7k

Salary comes in around 26-30th

Any advice on how to repay my credit cards before end of year? Or prolly max at least before Raya next year. My history of repayment is all good. Fully paid before due date. Just this time around i dont think i can afford to pay 10k since my savings in asb is just so so. Also I’m a bit confused with the late payment fee, cumulative charge etc.

Pls advise 🥲