sorry for bringing up old post.

to settle ur credit card outstanding (debt), go do BT.
it is far cheaper than loan.

cimb is free for 6 months, 1% for 12 months.
maybank is free for 12 months.
amex also free for 12 months.
pbb free for 6 months, 1.5% for 12 months, 5% for 24 months.

for longer period, go to eonbank, they have 36 months (10.99%) and 48 months (14.99%).

refer http://forum.lowyat.net/topic/1123346 for more