Finally after 2 weeks+ my personal loan approved. YEAH! I can go enroll an IT pro course (eg: Linux/CCNA/MCSE...) & most important paybck half of my CC debts.

Compared with CC 18% & Personal loan 8.99%, it still worth 2 apply it.

My loan amt was 8k, paybck $400 x 24 = $ 9.6k (interest $1.6k + processin fee $200)

My plan
========
$7.8k - $2k(study)
=5.8k - $300 (GF)
=5.5k (HSBC Master) PAID OFF

Still left VISA & Citibank... wil workin on it slowly. Hopefully can paid off tis year (my target).