regarding balance transfer is transfer the ur debt from one bank to another bank will lowest rate and installment plan. Issit possible to convert the credit card debt to installment plan, jst like balance transfer but in the same bank.

Let said we have 3 card here:-

Card A, maybank : Gold card , debt = 5000
Card B, maybank : Amex, debt = 5000
Card C, maybank : Visa, debt = 5000

so the total dept which 3 cards is 15K, issit possible to sum all the outstanding balance and convert it to installment plan with lower rate.

Just an example here. Hope can get more info. Thanks.

is not 0% or charge balance transfer...wat i means is convert the total of credit card debt to installment plan....