Debt Consolidation Solution: How Calvin Cut His 18% Interest to 8.38% with BlueBricks

Debt Consolidation Solution How Calvin Cut His 18% Interest to 8.38% with BlueBricks

Find Your Debt Consolidation Solution Today

Are you searching for a reliable debt consolidation solution to escape from overwhelming credit card debts? Many Malaysians struggle with high-interest rates, feeling trapped with no way out.

Fortunately, the right strategy can lower your payments, save you thousands, and give you back financial freedom. Let’s dive into how BlueBricks helped Calvin achieve a life-changing success story.

Real Story, Real Results: How Calvin Escaped 18% Credit Card Interest and Got RM150,000 at Just 8.38%!

“My credit card interest was 18%, and my loan applications were rejected by Bank R and Bank H. I felt like I had no way out… But thanks to BlueBricks, I cleared all my credit card debts and secured a RM150,000 loan—dropping my interest rate from 18% to just 8.38%!”

Calvin’s experience shows that the right debt consolidation solution can completely change your financial outlook. Here’s how it happened.

Watch Calvin’s Journey Unfold

Click below to watch Calvin’s inspiring testimonial video and see the transformation for yourself!

Calvin's Goal: Finding the Right Debt Consolidation Solution

✅ Consolidate all debts to reduce monthly repayment stress.

✅ Obtain extra cash (RM20,000 – RM30,000) for emergency funds and financial flexibility. 

Calvin knew that without a smart strategy, he would continue sinking under high-interest rates.

The Challenges Calvin Faced

❌ 18% interest on credit card debts, making it nearly impossible to reduce the balance.

❌ Rejections from multiple banks due to high Debt Service Ratio (DSR).

❌ Even alternative approvals came with extremely high interest rates (up to 13%).

Without a professional debt consolidation solution, Calvin had no realistic way out.

Calvin’s Financial Snapshot: The Starting Point

📌 High unpaid balances across multiple credit cards.
📌 High-risk CTOS credit report status.
📌 No bank willing to approve a manageable loan.

How BlueBricks Delivered the Best Debt Consolidation Solution

BlueBricks stepped in with expertise, strategic planning, and strong lender connections:

🧹 Cleared Credit Card Debts

🏦 Bank 1: RM10,000
🏦 Bank 2: RM3,000

 📌 Interest Rate Slashed: 18% ➔ 8.38%
Saving RM1,468.59 in annual interest!
📌 Loan Tenure: 7 years
📌 Monthly Repayment: RM2,883.21
📌 Final Cash in Hand: RM142,050

Through a customised debt consolidation solution, Calvin turned financial stress into financial strength.

Did You Know?

❗Unpaid credit cards dramatically increase your chances of loan rejection.
❗Even approved loans could come with sky-high interest rates (up to 13%).
👍 BlueBricks uses expert financial strategies to lower your risk profile and secure better deals. 

Choosing the right debt consolidation solution can save you from years of financial struggle.

Facing Similar Debt Problems? Here's Your Next Step

Don’t let high-interest credit card debt drain your future. With BlueBricks, you can:

✅ Get a free, no-obligation loan assessment.

✅ Work with financial experts who understand the system.

✅ Consolidate your debts into a lower-interest personal loan.

📩 WhatsApp BlueBricks today and start your journey toward financial freedom! 👇

Debt Consolidation Solutions - FAQ

A debt consolidation solution combines multiple debts, like credit card balances and personal loans, into a single new loan with a lower interest rate. It simplifies your payments and can reduce your overall interest costs.

Debt consolidation pays off your high-interest cards with a new loan that typically has a lower rate. Instead of juggling multiple minimum payments, you focus on one affordable repayment. 

If you are struggling with:

  • High credit card interest rates
  • Difficulty managing multiple monthly payments
  • Rejected loan applications due to high DSR then a debt consolidation solution may be ideal for you.

BlueBricks provides expert financial strategies to help you:

  • Improve your risk profile
  • Secure lower interest loans
  • Consolidate debts quickly and efficiently
Debt consolidation is generally safe if you manage the new loan responsibly. BlueBricks ensures you get a structured plan tailored to your financial needs.

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About Bluebricks

BlueBricks Holding is one of the top ten leading loan agency companies in Malaysia in terms of loan approval rates. As a leading licensed loan agency company, we have extensive knowledge and experience in mortgage and business loans, and this enables us to help our customers to get the deal that is best suitable to them.

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Wilson Wai Kit

Senior Consultant

With extensive banking experience, notably as a mortgage sales officer at UOB Bank, Wilson leverages his understanding of loan applications and approvals to offer financial insights and support to empower individuals to make informed decisions regarding their financial futures.

Feel free to contact him for assistance with your financial needs!

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Karl

Financial Advisor

Karl has a background in banking and real estate, with roles ranging from Mortgage Officer at UOB Bank to Director at Vestcom Realty. He’s skilled in managing mortgage loans and real estate projects and works closely with bank officers, money lenders, and lawyers to solve clients’ loan issues.

Karl is currently a key contributor to business loan development at Bluebricks.

I want to know about bank loans