Balance transfer is transfer of debt, so instead of owing to your original bank A you now owe to bank B.

Its advantageous to you because bank B probably will give you a period of low/no interest (normaly 6 months 0% interest I think) which gives you more time to pay. But this will require you to apply bank B credit card.

If you have RM4k on hand no need, just pay it off and cancel your card. Otherwise take a balance transfer and you'll have more time to pay. No matter what need to pay, of course*.

* - unless you want to fly overseas and never come back

if you plan not to use any cc anymore, then just pay off your cc debt in cash.
if you do balance transfer, you are just transferring your debt from bank a to bank b.
meaning that you will still be using a cc (just that the cc is now from bank b rather than bank a).