Don't think you can do BT as you need to apply a new CC or use existing CC to do the BT. With no others CC and can't get another new CC, it's impossible to do BT.

There is also another way which is re-structure the balance of the current CC into 0% installment plan. I know there is ppl out there doing it where they charge you around 10% pa to convert it to 0% installment plan back to your CC. You can pay some minimal amount back to the bank to active bank the card status and proceed the 0% installment plan. By doing so, you can stop the 18% pa charge by the bank.

If things really getting worse, try to visit your bank and request for re-structure your cc debt to cut/stop being charge for interest/late payment/ legal payment and etc which will be a nightmate. Just open up and tell the bank your situation. If the bank don't cooperation, visit AKPK to ask for advise, AKPK will help you to restructure the debt FOC.

Good luck to u.

And also, your case will be hard to BT as your CCRIS record, what you need to do is go to your credit card's bank and look for the credit collector department or related department. Sit down and talk to them about your situation and let them know if they not willing to restructure your debt, you going to AKPK to seek for advise which still will come back to them to do the same things, ask them to stop all the charges and restructure your debt into 24/36/48/60 mth repayment. Talk nicely and normally they willing to help. Dont just call the CS, it's useless with no outcome.

If you don't mind, you may pm me your current card credit limit, bank and the balance. Maybe i can ask for you if above suggestion not work. I have friends who doing this 3rd partly restructure service. It's not Ah Long so don't worry, you will pay back your current bank after restructure it. Of cause there is some charge doing it but it can stop the bank charge you further unnecessary interest.