definitely BT is better than personal loan.. the interest rate is always much much lower.. and why worry bout the repayment period? u can always opt to transfer to another bank once the repayment period has ended. the credit card business among the banks is so fierce. they are always campaigning their BT promotion.

For example, Ambank BT 8.99% FIXED INTEREST p.a. with free gift.. many people r blinded by the attractive free gifts like notebook, iphone, phones etc.. but it's definitely not worth it if u take the time to do some calculation and make comparison with other banks. Standard Chartered offer BT 3.8% or 3.9% (not really sure) REDUCING BALANCE p.a. for up to 18 months. Previously Citibank offer 5% p.a. for BT for up to 6 months also..

Most importantly, survey the market and read carefully the TERMS&CONDITIONS .. For example, Ambank charge fixed interest for 2 years irregardless u settle the full payment in the first month or end of 2 years, and there is a lock-in penalty fees if u settle earlier than 2 years.. all these are stated in tiny tiny sentences at the bottom of the contract..

Conclusion, do not be GULLIBLE and do not simply listen to the CC sales people.

Just my 2 cents..