Insurance, Astro and internet are a waste to begin with
Taking another loan to cover debt are good way to make your self poorer.

This 2 statements basically are very wrong.
If I were to spend rm100k, I shall have rm200k up front.
Balance transfer are a method to sweep dust below the carpet, if you are seeing bad debts amount are increasing, you shall start review your wastage, not look for "free" interest installment plans, say you have rm10k of bad debts due to wastage(every month are rm1000), you get an installment plan that you have to pay rm1000 a month but still refuse to review the wastage. Your ongoing wastage will roll also, installment plan for rm1000 + rm1000 of ongoing wastage but you can only afford to pay rm1100, so you will start building up another round of bad debt of rm900.
This year till now government still being a coward on telling the actual numbers