To be honest, the very important key is - how much is your friend earning per annum, whether he can apply for new cards to do BT etc depends on that.
Since your friend did not miss any payment, should not fall into bad credit score that much.
For example, some of us here have so much balance in credit card account (due to BT) but with prompt payments and adequate income, there's no problem applying for new cards.
Anyhow no harm trying since not much damage compare to currrnt situation.
So, good choice for BT would be 0% ambank, pbb, aeon. But application is super strict and stingy credit limit
Now ambank also have 0% bt for 1 year. Which may suit your friend. Ambank have generous CL, hopefully easier to get approval too.
So i suggest your friend to try ambank first.
Note: applying too many will kind of leave an 'enquiry' to the credit report. So i suggest to prioritize your friend's application to the banks that are easier to get, ie in my opinion ambank > aeon > pbb.
In fact i would not try aeon & pbb if ambank fails. Might scout for other banks first even though may not have 0% bt.
thanks for the insight. government servant, earning about 3.5k per mth.. tried looking at ambank's website but I only see the 4.99% / 8.99% one? or should walk in for further info?
Actually in his case, is it wiser to stop using and pay off till the 5k is finished, or to do BT in the first place?