Hi! I am new here.
I would like to share my experience here too.
I was once a heavy credit card user, until it burdens me with the debts that I was so stressful even paying the minimum amt required every month.
I have got 4 cards, namely MBB, AmBank, Eon and RHB. Total credit limits ~ RM32K and total outstanding balance ~ RM26K.
Every month, waiting for salary, get prepared to cover the minimum payment, like no ending stories.....
Until one day, I discovered these "Credit Card Restructure Plans", which can actually restructure and consolidate my credit card debt accounts to an easy payment plans with very much lower interests of 6.3% p.a. (compared to 18% p.a., which mean I am saving total interest of 11.7% p.a.)

How does it work?
First, they settle my outstanding amt of RM7.5K (MBB), RM6.5K (Ambank), RM5.8K (Eon) and RM6.2K (RHB).
Now, all my cards having full credit limits. Then, they swipe out each card for RM6.5K, total of RM26K to restructure
and convert it into easy payment plans.
I have chosen 36 months (3 years) monthly instalments plan,
with an upfront interest of 6.3% p.a. (equals to 19% for 3 years),
meaning I am paying RM4,940 for the upfront interest (RM26K x 19%).
I am willing to deduct the amt RM4,940 from RM26K instalmant plan,
rather than paying high interest of 18% p.a., that would be more than RM10K (RM26K x 18% x 3 years)
and I am actually saving total interest of 11.7% p.a., about RM9K (RM26K x 11.7% x 3 years).

What happened then?
I am paying a "fixed" monthly instalment back to my original credit card's issuing banks for:
total RM722.23 (RM26K divided by 36 months), RM180.56 each to MBB, Ambank, Eon and RHB (RM722.23 divided by 4).
Because they have already deducted for the upfront interest, therefore the monthly instalment is actually fixed at 0% interest for the rest of 36 months.
Before, I was paying around RM1,300 for the minimum amount required (RM26K x 5%).
Now, I am paying around RM722 every month, saving about RM578 (less burden for me).
The best thing is, i am able to settle these debts within 3 years, free myself from debts by then.

I am spreading this great news because I am now an agent too, helping those who actually feeling the "pains"
of paying high interest of 18% p.a. and having difficulty of paying the minimum amt every month.