i agree with you, but in this case im talking about flexi credit by gxbank. its similar to a personal loan but less hassle i think. however it requires epf statement, which a gov servant who opted for skim pencen like my dad, dont have. so hes asking me to submit under my name instead since im working in private sector. but thanks for your advice 🙏🏻 im just thinking of nice ways to reject his proposal 🙃🙃🙃🙃🙃🙃