I am actually looking for personal loan however I been having record in Ccris / Ctos. But I manage to have income to payback at least RM1.5k per month on installment of loan. I only need RM15k loan to settle all my existing credit card debts, as I calculate the credit card interest is much more than Personal Loan therefore I hope can apply for it but none of the bank approved me the loan. So if you guys, can introduce to me where I can get the loan or 100% can get approval. Please do PM me and let me know.. Appreciate on your information.

Thank you so much..

Too bad. I am not. Any other ways?

Thank you guyz for the calculation. Now I am more clear on the calculation. But any how I have bad record in ccris due to last few months didnt make payment coz jobless. So will the balance transfer affected>? Any advice from banker?