Delay your credit card payments to 2023 (for Malaysian) #shorts

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Say you do a RM 12000 balance transfer at 1% upfront for 6 months
You pay 120 one time.
Then you need to pay 2000/month zero interest for next 6 months, without fail

Otherwise, you're paying 15-18% p.a. interest on your outstanding balance after paying 2000/month

Assume you have emergency saving 12000 sitting in bank account
Don't empty your emergency saving to settle your credit card deht in 1 shot
Instead, park this 12000 in a fixed deposit of 4%/year for 6 months
You get about 240
240 is more than enough to cover credit card balance transfer one time cost of 120-240 (1-2 % of 12000)

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