do i need to have had my cc for 1 year or more before i can do a balance transfer.

I recently had to do a major repair for my car so had to use my mbb cc. can i do a balance transfer so i can slowly pay the amount but with lesser interest?

i've just applied for balance transfer with alliance bank. in the application for the cc i had to give a reference who is not my close relative. i gave them my office mate's name and phone no. why do they need this?

with my mbb cc i could just give them my brother's name. why do they need the reference? they never called my brother before also.

end of nov i applied for a credit transfer with alliance bank. the reason i went with alliance is because i get my salary deposited there. but until today they are still processing the application. how long does it normally take as my first cc with maybank took just a couple of weeks. i called their cs but she just says its still being processed. i did apply for a loan with alliance a long time ago but was declined. am i going to be declined again? should i continue with this or cancel it. i need to structure my cc debts seeing as the coming recession could be extremely bad.