You need a pay slip and justify your source of income so if you don't have one, I don't think they'll approve it. Perhaps you get a supplementary card from your parents instead?

I thought Citibank is 8.4% and Al-rajhi is 7.99%?

You do not have income but you want to borrow? I think it'll be tough unless you have a guarantor.

Housing loan is the cheapest because your house (property) is the best collateral.

How about if I borrow you RM9K personally? If you have RM9K, one way of doing it is using balance transfer to reduce credit card interest rates. Spend lesser and slowly clear off the debts.

Personal loan are considered as unsecured lending and since there are no collateral, the bank will obviously charge a "cut throat" rate My advice is try to use balance transfer if possible before going for personal loans.