Which better settle your credit card debt using personal loan or balance transfer

while i'm reading about overdraft, i see some topic about settle your credit card debt by do the credit card balance transfer. in early of this year, there's some promotion zero interest if your do the balance transfer promoted by certain bank. but the promotion now is mostly end except for maybank due to the increase in BLR. maybe because of the anouncement make by our government about the package everyone salary under rm3k are entitled to buy the house up to 200k without downpayment to the bank. when this happen, for sure there'll be any changes in our banking system in order to maintain their profit and margin.

if your want to know about the credit card balace transfer package just access to the bank website as the term and condition are different, and considired if there are any additional cost to be paid. and fot the personal loan, if your company are entitled to get the personal loan from any bank, just compared the interest you paid for both balance transfer or personal loan. which one is affordable. and pls make sure u are are discipline person if you choose the monthly credit card transfer balance. as if you failed to paid on that month, the interest will be higher. if you apply for personal loan to settle your credit card, paid all the money your get to settle the debt. don't try to think twice to use that money and after that cancelled your credit card. why? because you are the person whose are can't manage your spending wisely. then just use 1 credit card for emergency.