u can BT it

or directly call to the bank n change into term loan....

of cz bt would be better choice

My acccount number is which 1? The maybank2u 1 ah?

Sarjan

Listen to me, not worth it to convert to Personal Loan (I presume u talking about PL) unless u government servant and can get loan with ultra low interest rate. Just PAY AS MUCH AS YOU CAN every month.

If u want detailed calculation/explanation, e-mail/PM me on FB I explain to u.

Not now har

U can PM me...but I'll only reply u later tonite

Just don't (NEVER) take PL to cover CC debt, not worth it

Yes it is possible with consequences:
1) If the bank has installment plan eg. Citi Flexi Payment Program (FPP), then balance can be converted to installment plan with interest charged.
OR
2) If the bank does not have one, then the card will be "restructure" under collection terms; i.e. card being cancelled, and converted into term loan where CCRIS record will be tarnished as a tagging will be introduced in one's CCRIS report to denote the facility is a "restructured" account hence viewd negatively by most banks.

So if one can still afford to pay, then it is still best to go with Balance Transfer programs out there.