guys, need your advice on this.


i have 1 active cc right now with hsbc. mga 4 years na. unfortunately i'm having problems karon with the current balance na nagkadako due to the fact na i am also paying some medical expenses incurred last year on top anang credit card balance nko so mao ng pirme ma late or kuwang akong mahatag na monthly. around 20k ang balance ron sa card and i've been paying mga 1k+ a month pero igo ra na cya sa interest. now, ive been hearing about balance transfers. mas lower cya ug rate and mahug nga ang akong gi pay ron as interest would be my monthly amortization na if i opt to have balance transfer nalang.

katong mga suheto na kaau, naa mo ikatambag unsay angay buhaton? and if ever unsay nindot na credit card kuhaon for this balance transfer nga service?


salamat