Credit card Balance Transfer is a program that is usually offered by a credit card company to attract new customers. Typically there will be some incentives to entice you to do a credit card balance transfer from different banks. In Malaysian credit card market, most banks will give a very low APR (annual profit rate)  also known as interest rates and 0 charges on transaction fees to entice credit card holders to do a balance transfer while changing credit card issuers. The low interest rates usually last for a few months and normal interest rates would be used again provided

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