Hi Clarance,
I'm working for a middle east bank and we offer a programme balance transfer too but not transferring to a credit card but to a financing instead. And this is what we have to offer.
> We don't offer a 6 months 0% interest, but a flat rate of 8.5% per annum (Lets say you have an outstanding of RM20,000) can you really clear it in 6 months?)
> Certainty in repayment, there's no minimum payment
> No interest, so no effect on compounding balance, (if you pay a minimum on your credit card the compounding balance will be charge interest, but for us, even if you did'nt pay there's no effect on compounding balance as there is no interest)
> No penalty for late payment, only postal charges (when we send the reminder)
>rebate for early settlement

If you wanna know more feel free to pm me.. : )
Regards, Hafiz Noor : )