received call from citibank and asked me whether i intend to apply their credit card or not. however i am a existing customer of citibank, so i said no.

then i asked him about the balance transfer plan from them. the officer told me that currently have 2 plan - balance transfer & balance transfer installment.
I had forgotten about the detail of balance transfer installment, with balance transfer, one year will be charged 1.99%.
Take an example:
balance transfer RM2500 would be :
2500 X ((1.99/12)%) = RM 4.15 interest for first month. So one year the maximum interest to pay is RM4.15 X 12 = RM49.75 .
With the terms of applied additional credit card from Citibank.

how u guys think?
Sorry for my poor english.