Where is ur expenses breakdown? with that easier for others to help u.

Ur credit card repayment is based on 18% finance charges per annum or under repayment scheme with much lower interest? May be still got chance for u to extend the repayment duration for settlement of capital owing and reduce the interest charges.

Since u got house, any chance for u to apply epf account 2 withdrawal as monthly repayment or downpayment for your house?

Btw, husband and wife should work out together to solve the financial problem. Once married ur problem will also become ur partner problem, ur condition at least still can to improve via ur wife assistant. 

Ur credit card is the killer here. If I calculate this right,if the amount of cc 1 2 3 is min payment then total outstanding for all is +-40k.

Mann.... this is sky high bro. What did u spend bro? Sleep at golden hotel? Eat golden rice in golden resraurant?lol

For this case, u cannot do Balance Transfer.

Heres how. Hope this works. Knowing that u will pay 1.9k for house using ur salary. I suggest u go EPF withdraw ACC 2 for monthly installment up to 12months.
Roughly bout 23k. And park that 23k to ur housing account. Note!! DONT wrongly say i wanna pay for 12months installment. Tell the bank (home finansier) to park that money in advance payment/bucket. So later bank will eat 1.9k from the bucket for 12months.

Now, the 1.9k that u have from the salary, pay it to the cheapest CC 1st (cc 3) until RM0.00 and cancel it (cut it). Cc1&2: continue pay the minimum payment as usual. After cc3 already cut then, pay the 2nd lower (cc1) and cut it.

for 3rd card, then only u can do BT. Many bank offer 0% interest fee for 12months nowadays. So, do it onto ur cc3.

Wife must give ur support and encourage. Its fine if she dont want to give money help u pay. But at least she help in buying groceries...