IMO, there are banks out there that offer Balance Transfer with low interest rate also instead of using the services as provided. Moreover, bank like RHB is offering interest rate base on reducing balance basis instead of fixed rate. It is always better to check out all banks rates before resorting to other services. Worse of all, just seek AKPK help as they have the authority to restructure your debts. Most of all as mention, spend within your means is still the best solution problems.