Balance transfer is tranfer ur outstanding from other bank...

Example:
Ambank Balance Transfer

-U have 4k outstanding from Citibank u transfer to ambank,
-After transfer to Ambank ur citibank is clear
-So now u hutang ambank but with a lower interest
-so u just pay to ambank rm4000 + interest 8.99pa in 2years/24mth with no admin fee or processing fee and u get handphone for rm4000 transfer..

if u 1 cash money just do quickcash ambank will bank in $$ to ur sa or c account condition same as balance transfer

hope this help...

still can use...let say u do balance transfer 8k but the card limit is 10k, so u still have 2k balance to use