Hi everyone, I'm not sure whether this is the right place to post it but this is a debt issue but non akpk related.

So anyway, I'm trying to clear out my credit card debts. Last week, I received email from my bank saying that I'm enrolled into auto balance conversion which means they will turn my credit balance into 36 monthly installment at 13% ir.

As I have other commitment, I'm actually interested in following this programme which I think would help me reduce the burden. But I am not sure whether this is a good thing to do? Does anyone did this before? Any advices are appreciated.

Hi, I'm looking to reduce my monthly commitment on paying CC debt and increase my savings for future. I looked into BT and Auto Balance Conversion programme but it is very unclear to me as the financial terms explained is beyond my financial understanding. I'd appreciate any advice given.

So I have two credit card:
MBB: 5k outstanding
PBB: 4k outstanding

1. If I make use of MBB balance transfer, how much can I transfer from my PBB credit card?
2. How does the monthly repayment works? Will I be paying lower month repayment than paying the cc separately?
3. Can I use BT to transfer all my PBB debt into MBB and apply for auto balance conversion offered by MBB?