This leaves them with only a small fraction of their salary each month, resulting in anxiety and a growing worry of their long-term financial stability. He said that much of his debt also comes from the various BNPL services that he had taken up, as well as from credit cards, which he uses for daily neces­sities. “I am considering consulting with the government’s Credit Counselling and Debt Manage­ment Agency (AKPK) in the future if my debt situation gets worse,” he said. His credit card balance has been hovering at around 90% of its limit for almost a year now, as it continues to accumulate inte­rest. “For now, I can still manage things, but the growing credit card interest has me feeling really uneasy about my financial future as I may be stuck paying the debt for years,” he said.

Source: The Star March 17, 2026 00:30 UTC