AS1M mega sale this Wed... So prepared your $$$ & some time off 

Best time is immediately after somebody sell their units.

no, I suggest him to clear the debt instantly to avoid any % charges  on him

1st - even ASG announce 8% he will also lost 3 % at SC and haven't add the 8% of interest of the debt. thus more lost.
2nd - having a good habit. I noticed people around me having this mind set. like what you mention. letting the bank to charge 8%. they never realize this becoming the plague and the accumulated debt become more and more.

@bumble bee, do you have any other FD or SA to be use instead of this? Because in investment rule you must have at least 6 months of saving in low risk and it can be taken out at any time at not lost, eg-FD or SA.

thank you for so many responses and advices
I don't have other FD or SA.
I not sure the cc charge percentage.

My plan is:
1. wait till next year april and see the rate for sell or not. at least i can get the dividen to cover the lost ? after dividen, the market price will drop usually is it ?

2. balance transfer looks like having some hidden cost, so i think not to try. I will try my best to pay as much as i can to CC and keeping my ASG.

nope, not similar to share.. if share u buy before ex-date can get full dividend..

ASx fund (fixed price).  they would pro-rated the dividend.

example if divvy on Aug. u buy in Jan. So Feb until Aug only (the amount u bought on Jan)...