i never let bank earn money from my credit card payment cos i settled full for each month...no more outstanding balance left..

if u really suffer lot, then can try apply personal loan from Citibank which is the lowest interest rate that is offered nowadays, I think the annual interest rate is 7.6%, so monthly only 0.63% while credit card interest is 1.5%

may i know what is the meaning of balance transfer?? is it withdraw the cash advanced from crdeit card is considered as balance transfer?

i used credit card very careful and never let bank earn ever one single cent b4...u need to buy something that is considered necessary and don let urself too stress when make a repayment

citibank shell card is not so direct meaning...u must have a least MYR 2,000 outsatnding balance for each month then only can go for petrol rebate