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Ep.1 Restructure debt or pay normallyðŸĪ”

I secretly heard that KTC has debtor assistance measures for people who are chronically indebted, want to pay a month lighter and have a longer period of installment, also called "debt restructuring" (in our understanding).

📌📌 we are interested in this project because we have heard that KTC is suing quickly ⚖ïļðŸ§ū secretly because of fear of being infinite in debt, so we greeted the KTC official Facebook page. The officer responded very quickly and coordinated so quickly that he got the information....

1. There will be an installment period of 48 or 60 months, depending on the individual loan, and the interest rate is 15%. But if the month is defaulted, there will be an interest rate of 18% of the defaulted.

2. The cash card that we use will be temporarily suspended. That is, we will not be able to withdraw it until we have completed the contract. But to return to use it, we will have to go through the consideration of a new KTC card or simply called we have to make a new card. As if we apply again. (Who will go back to the original loop? But we will definitely not return to debt again. Rose = that means not a flower, hahahahaha)

3.KTC will put our data participating in the debt restructuring program into the National Credit. This means that financial institutions will recognize the data on our debt restructuring. In other words, our name will be shown in Buro. But after paying every month until the debt is closed, we can check Buro or clear Buro.

4. After the officer calls in to provide information, if we are interested, we can notify the officer to send detailed information to our e-mail. He will calculate the principal and interest per month for us, how many baht per month and how many months. If anyone is interested, he can send the document as notified by the officer via e-mail within 3 days. After that, KTC will consider and will reply that we have joined the debt restructuring. ðŸ’ģðŸ§ū📌

...

Personally, ðŸŒŧ after the official sent us detailed information in an email about how many baht we paid each month and how many months we paid, which is 4-500 baht / month, repeat!!! Blossom and tree are included and installment is 48 months long, which is cheaper than the minimum we paid in the past. We also know the exact length of installment and force not to use it again. But if we have enough to pay more than that amount, the tree and flower are reduced and may close before 48 months. We think that it is suitable for people who really want to close the debt as a raw deduction. But the disadvantage is that our name will go into the National Credit, but it is not that we can't recover anything. It depends on what we will recover. It only takes 48 months to pay the end of the debt. We're gone, but to be sure, try checking in the credit bureau at various financial institutions. ☚ïļâœŒðŸŧ

For friends, how to comment? Can exchange ideas together. 🌈🌷âœĻ💐🍒

# Credit card debt # Off credit card debt # ktc # ktc loan

# Restructure debt

2025/11/25 Edited to

... Read moreāļˆāļēāļāļ—āļĩāđˆāđ€āļĢāļēāļĨāļ­āļ‡āļ„āļļāļĒāļāļąāļšāđ€āļˆāđ‰āļēāļŦāļ™āđ‰āļēāļ—āļĩāđˆāđ€āļĢāļ·āđˆāļ­āļ‡ â€œāļ›āļĢāļąāļšāđ‚āļ„āļĢāļ‡āļŠāļĢāđ‰āļēāļ‡āļŦāļ™āļĩāđ‰ KTC / āļ›āļĢāļ°āļ™āļ­āļĄāļŦāļ™āļĩāđ‰ KTC” āļŠāļīāđˆāļ‡āļ—āļĩāđˆāļ­āļĒāļēāļāđ€āļŠāļĢāļīāļĄāđ„āļ§āđ‰āđƒāļŦāđ‰āļ„āļ™āļ—āļĩāđˆāļāļģāļĨāļąāļ‡āļĨāļąāļ‡āđ€āļĨ āļ„āļ·āļ­āđƒāļŦāđ‰āđ€āļĢāļīāđˆāļĄāļˆāļēāļāđ€āļŠāđ‡āļ„āđ€āļ›āđ‰āļēāļŦāļĄāļēāļĒāļ•āļąāļ§āđ€āļ­āļ‡āļāđˆāļ­āļ™āļ„āđˆāļ° āļ§āđˆāļēāđ€āļĢāļēāļ­āļĒāļēāļ â€œāļĨāļ”āļ„āđˆāļēāļ‡āļ§āļ”āđƒāļŦāđ‰āđ„āļŦāļ§â€ āļŦāļĢāļ·āļ­ â€œāļ­āļĒāļēāļāļ›āļīāļ”āļŦāļ™āļĩāđ‰āđƒāļŦāđ‰āļˆāļšāđ„āļ§āđāļšāļšāļĄāļĩāļāļĢāļ­āļšāđ€āļ§āļĨāļē” āđ€āļžāļĢāļēāļ°āđ‚āļ›āļĢāđāļāļĢāļĄāđāļ™āļ§āļ™āļĩāđ‰āļˆāļ°āļŠāđˆāļ§āļĒāļˆāļąāļ”āļĢāļ°āđ€āļšāļĩāļĒāļšāļŦāļ™āļĩāđ‰ āđāļ•āđˆāļāđ‡āļĄāļĩāđ€āļ‡āļ·āđˆāļ­āļ™āđ„āļ‚āļ—āļĩāđˆāļ•āđ‰āļ­āļ‡āļĒāļ­āļĄāļĢāļąāļšāđ€āļŦāļĄāļ·āļ­āļ™āļāļąāļ™ 1) āļ›āļĢāļąāļšāđ‚āļ„āļĢāļ‡āļŠāļĢāđ‰āļēāļ‡āļŦāļ™āļĩāđ‰āļ•āđˆāļēāļ‡āļˆāļēāļāļˆāđˆāļēāļĒāļ‚āļąāđ‰āļ™āļ•āđˆāļģāļĒāļąāļ‡āđ„āļ‡ (āđāļšāļšāļ—āļĩāđˆāđ€āļĢāļēāđ€āļ‚āđ‰āļēāđƒāļˆ) āļ–āđ‰āļēāļˆāđˆāļēāļĒāļ‚āļąāđ‰āļ™āļ•āđˆāļģāļ•āđˆāļ­āđ„āļ› āļĒāļ­āļ”āļ—āļĩāđˆāļˆāđˆāļēāļĒāđāļ•āđˆāļĨāļ°āđ€āļ”āļ·āļ­āļ™āļ­āļēāļˆāļ”āļđāđ„āļĄāđˆāļŦāļ™āļąāļāļĄāļēāļ āđāļ•āđˆāļ‚āđ‰āļ­āđ€āļŠāļĩāļĒāļ„āļ·āļ­āđ€āļĢāļēāļĄāļąāļāđ„āļĄāđˆāļĢāļđāđ‰ “āļ§āļąāļ™āļˆāļšāļŦāļ™āļĩāđ‰â€ āļŠāļąāļ”āđ† āđāļĨāļ°āļ”āļ­āļāđ€āļšāļĩāđ‰āļĒāļĢāļ§āļĄāļ­āļēāļˆāļšāļēāļ™āļ›āļĨāļēāļĒ āđ€āļžāļĢāļēāļ°āđ€āļ‡āļīāļ™āļ—āļĩāđˆāļˆāđˆāļēāļĒāđ„āļ›āļŠāđˆāļ§āļ™āļŦāļ™āļķāđˆāļ‡āđ‚āļ”āļ™āļ”āļ­āļāļāļīāļ™āļāđˆāļ­āļ™ āļ—āļģāđƒāļŦāđ‰āđ€āļ‡āļīāļ™āļ•āđ‰āļ™āļĨāļ‡āļŠāđ‰āļē āđāļ•āđˆāļ–āđ‰āļēāđ€āļ‚āđ‰āļēāļ›āļĢāļąāļšāđ‚āļ„āļĢāļ‡āļŠāļĢāđ‰āļēāļ‡āļŦāļ™āļĩāđ‰ KTC āļˆāļ°āđ€āļŦāļĄāļ·āļ­āļ™āļĨāđ‡āļ­āļāđāļœāļ™āļœāđˆāļ­āļ™āļĢāļēāļĒāđ€āļ”āļ·āļ­āļ™āđāļĨāļ°āļˆāļģāļ™āļ§āļ™āļ‡āļ§āļ” (āđ€āļŠāđˆāļ™ 48/60 āđ€āļ”āļ·āļ­āļ™) āđƒāļŦāđ‰āļŠāļąāļ”āđ€āļˆāļ™āļ‚āļķāđ‰āļ™ āļ—āļģāđƒāļŦāđ‰āđ€āļĢāļēāļ§āļēāļ‡āđāļœāļ™āļŠāļĩāļ§āļīāļ•āļ‡āđˆāļēāļĒāļ‚āļķāđ‰āļ™āļ§āđˆāļēāļ­āļĩāļāļāļĩāđˆāļ›āļĩāļˆāļ°āđ€āļ„āļĨāļĩāļĒāļĢāđŒāļŦāļĄāļ” 2) āļāđˆāļ­āļ™āļ•āļąāļ”āļŠāļīāļ™āđƒāļˆ āļĨāļ­āļ‡āļ–āļēāļĄāļ•āļąāļ§āđ€āļ­āļ‡ 4 āļ‚āđ‰āļ­ - āļ•āļ­āļ™āļ™āļĩāđ‰āđ€āļĢāļēāļˆāđˆāļēāļĒāļ‚āļąāđ‰āļ™āļ•āđˆāļģāđāļĨāđ‰āļ§ â€œāļ•āļķāļ‡â€ āļ—āļļāļāđ€āļ”āļ·āļ­āļ™āļˆāļ™āđ€āļĢāļīāđˆāļĄāđ€āļŠāļĩāđˆāļĒāļ‡āļœāļīāļ”āļ™āļąāļ”āđ„āļŦāļĄ - āđ€āļĢāļēāļĄāļĩāļ§āļīāļ™āļąāļĒāļžāļ­āļˆāļ°āļˆāđˆāļēāļĒāļ•āļēāļĄāļ‡āļ§āļ”āđ„āļ”āđ‰āļ•āļĢāļ‡āđ€āļ§āļĨāļēāđ„āļŦāļĄ (āđ€āļžāļĢāļēāļ°āļœāļīāļ”āļ™āļąāļ”āļĄāļĩāļ”āļ­āļāđ€āļžāļīāđˆāļĄ) - āļĒāļ­āļĄāļĢāļąāļšāđ„āļ”āđ‰āđ„āļŦāļĄāļ—āļĩāđˆāļšāļąāļ•āļĢāļāļ”āđ€āļ‡āļīāļ™āļŠāļ”/āļ§āļ‡āđ€āļ‡āļīāļ™āļˆāļ°āļ–āļđāļāļĢāļ°āļ‡āļąāļšāļŠāđˆāļ§āļ‡āđ€āļ‚āđ‰āļēāļĢāđˆāļ§āļĄ (āđ€āļŦāļĄāļ·āļ­āļ™āļāļąāļ™āļ•āļąāļ§āđ€āļ­āļ‡āđ„āļĄāđˆāđƒāļŦāđ‰āļ§āļ™āļĨāļđāļ›āļŦāļ™āļĩāđ‰) - āļŠāđˆāļ§āļ‡ 1–2 āļ›āļĩāļ™āļĩāđ‰āļ•āđ‰āļ­āļ‡āđƒāļŠāđ‰āđ€āļ„āļĢāļ”āļīāļ•āļāđ‰āļ­āļ™āđƒāļŦāļāđˆāđ„āļŦāļĄ āđ€āļŠāđˆāļ™ āļ‚āļ­āļŠāļīāļ™āđ€āļŠāļ·āđˆāļ­āļšāđ‰āļēāļ™/āļĢāļ– āđ€āļžāļĢāļēāļ°āļ›āļĢāļ°āļ§āļąāļ•āļīāļ›āļĢāļąāļšāđ‚āļ„āļĢāļ‡āļŠāļĢāđ‰āļēāļ‡āļŦāļ™āļĩāđ‰āļˆāļ°āđ„āļ›āļ­āļĒāļđāđˆāđƒāļ™āđ€āļ„āļĢāļ”āļīāļ•āļšāļđāđ‚āļĢ āļ—āļģāđƒāļŦāđ‰āļšāļēāļ‡āļ—āļĩāđˆāļžāļīāļˆāļēāļĢāļ“āļēāđ€āļ‚āđ‰āļĄāļ‚āļķāđ‰āļ™ 3) āļ—āļĢāļīāļ„āļ„āļļāļĒāļāļąāļšāđ€āļˆāđ‰āļēāļŦāļ™āđ‰āļēāļ—āļĩāđˆāđƒāļŦāđ‰āđ„āļ”āđ‰āļ‚āđ‰āļ­āļĄāļđāļĨāļ„āļĢāļš āļŠāļīāđˆāļ‡āļ—āļĩāđˆāđ€āļĢāļēāļ§āđˆāļēāļ„āļ§āļĢāļ–āļēāļĄāđƒāļŦāđ‰āļŠāļąāļ”āđ† āļ„āļ·āļ­ - āļ„āđˆāļēāļ‡āļ§āļ”āļ•āđˆāļ­āđ€āļ”āļ·āļ­āļ™āļĢāļ§āļĄāļ•āđ‰āļ™+āļ”āļ­āļāđ€āļ—āđˆāļēāđ„āļŦāļĢāđˆ āđāļĨāļ°āđ€āļ›āđ‡āļ™āļāļĩāđˆāđ€āļ”āļ·āļ­āļ™āđāļ™āđˆāļ™āļ­āļ™ - āļ–āđ‰āļēāļˆāđˆāļēāļĒāļĄāļēāļāļāļ§āđˆāļēāļ‡āļ§āļ”āļ‚āļąāđ‰āļ™āļ•āđˆāļģāđ„āļ”āđ‰āđ„āļŦāļĄ (āļŠāđˆāļ§āļ™āđƒāļŦāļāđˆāļˆāđˆāļēāļĒāđ€āļžāļīāđˆāļĄāđ„āļ”āđ‰ āļŠāđˆāļ§āļĒāļĨāļ”āļ•āđ‰āļ™āđāļĨāļ°āļ›āļīāļ”āđ„āļ§) - āļ–āđ‰āļēāļžāļĨāļēāļ”āļˆāđˆāļēāļĒ 1 āļ‡āļ§āļ”āļˆāļ°āđ€āļāļīāļ”āļ­āļ°āđ„āļĢāļ‚āļķāđ‰āļ™āļ—āļąāļ™āļ—āļĩ āļĄāļĩāļ„āđˆāļēāļ›āļĢāļąāļš/āļ”āļ­āļāđ€āļžāļīāđˆāļĄāđāļšāļšāđ„āļŦāļ™ - āđ€āļ­āļāļŠāļēāļĢāļ—āļĩāđˆāļ•āđ‰āļ­āļ‡āđƒāļŠāđ‰āđāļĨāļ°āđ€āļŠāđ‰āļ™āļ•āļēāļĒāļŠāđˆāļ‡āđ€āļ­āļāļŠāļēāļĢ (āļšāļēāļ‡āđ€āļ„āļŠāļ•āđ‰āļ­āļ‡āļŠāđˆāļ‡āļ āļēāļĒāđƒāļ™āđ„āļĄāđˆāļāļĩāđˆāļ§āļąāļ™) 4) āļ§āļīāļ˜āļĩāļ—āļģāđƒāļŦāđ‰āđāļœāļ™ â€œāļˆāļšāļŦāļ™āļĩāđ‰â€ āļŠāļģāđ€āļĢāđ‡āļˆāļˆāļĢāļīāļ‡ āļŦāļĨāļąāļ‡āđ€āļ‚āđ‰āļēāļ›āļĢāļąāļšāđ‚āļ„āļĢāļ‡āļŠāļĢāđ‰āļēāļ‡āļŦāļ™āļĩāđ‰ āđ€āļĢāļēāđāļ™āļ°āļ™āļģāđƒāļŦāđ‰āļ•āļąāđ‰āļ‡āļ•āļąāļ”āļšāļąāļāļŠāļĩāļ­āļąāļ•āđ‚āļ™āļĄāļąāļ•āļī/āļ•āļąāđ‰āļ‡āđ€āļ•āļ·āļ­āļ™āļĨāđˆāļ§āļ‡āļŦāļ™āđ‰āļē 3–5 āļ§āļąāļ™ āđāļĨāļ°āļāļąāļ™āđ€āļ‡āļīāļ™āļ„āđˆāļēāļ‡āļ§āļ”āđ„āļ§āđ‰āļ•āļąāđ‰āļ‡āđāļ•āđˆāļ•āđ‰āļ™āđ€āļ”āļ·āļ­āļ™āđ€āļĨāļĒāļ„āđˆāļ° āļ­āļĩāļāļ­āļĒāđˆāļēāļ‡āļ—āļĩāđˆāļŠāđˆāļ§āļĒāļĄāļēāļāļ„āļ·āļ­āļ—āļģāļ‡āļšāļĢāļēāļĒāļˆāđˆāļēāļĒāđƒāļŦāļĄāđˆ āļ•āļąāļ”āļĢāļēāļĒāļˆāđˆāļēāļĒāļĢāļąāđˆāļ§āđ† (āļ„āđˆāļēāļŠāđˆāļ‡āļ­āļēāļŦāļēāļĢ/āļŠāđ‰āļ­āļ›āļ›āļīāđ‰āļ‡) āđāļĨāđ‰āļ§āđ€āļ­āļēāļŠāđˆāļ§āļ™āļ•āđˆāļēāļ‡āđ„āļ›āđ‚āļ›āļ°āđ€āļžāļīāđˆāļĄāđ€āļ›āđ‡āļ™āļ„āļĢāļąāđ‰āļ‡āļ„āļĢāļēāļ§ āļ–āđ‰āļēāļ—āļģāđ„āļ”āđ‰ āļŦāļ™āļĩāđ‰āļˆāļ°āļˆāļšāļāđˆāļ­āļ™āļāļģāļŦāļ™āļ”āļˆāļĢāļīāļ‡ āļŠāļļāļ”āļ—āđ‰āļēāļĒ āļŠāļģāļŦāļĢāļąāļšāđ€āļĢāļē āļāļēāļĢāļ›āļĢāļ°āļ™āļ­āļĄāļŦāļ™āļĩāđ‰/āļ›āļĢāļąāļšāđ‚āļ„āļĢāļ‡āļŠāļĢāđ‰āļēāļ‡āļŦāļ™āļĩāđ‰ KTC āđ€āļŦāļĄāļēāļ°āļāļąāļšāļ„āļ™āļ—āļĩāđˆāļ­āļĒāļēāļ â€œāļŦāļĒāļļāļ”āļ§āļ‡āļˆāļĢāļŦāļ™āļĩāđ‰â€ āđāļšāļšāļˆāļĢāļīāļ‡āļˆāļąāļ‡ āļĒāļ­āļĄāđƒāļŦāđ‰āļšāļąāļ•āļĢāļ–āļđāļāļĢāļ°āļ‡āļąāļš āđāļĨāļāļāļąāļšāļ„āđˆāļēāļ‡āļ§āļ”āđ€āļšāļēāļĨāļ‡āđāļĨāļ°āļĄāļĩāđ€āļŠāđ‰āļ™āļŠāļąāļĒāļŠāļąāļ”āđ€āļˆāļ™ āđƒāļ„āļĢāļāļģāļĨāļąāļ‡āļ„āļīāļ”āđ€āļŦāļĄāļ·āļ­āļ™āļāļąāļ™ āļĨāļ­āļ‡āļ‚āļ­āđāļœāļ™āļ„āđˆāļēāļ‡āļ§āļ”āļˆāļēāļāđ€āļˆāđ‰āļēāļŦāļ™āđ‰āļēāļ—āļĩāđˆāļĄāļēāļāđˆāļ­āļ™āđāļĨāđ‰āļ§āļ„āđˆāļ­āļĒāļ•āļąāļ”āļŠāļīāļ™āđƒāļˆāļāđ‡āđ„āļ”āđ‰āļ„āđˆāļ°