How to resolve a Loan / Credit card predicament?

Don't really have experience with this but here is what I found:

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Debt Consolidation Plan (DCP)

Mr Anthony Seow, head of cards and unsecured loans at DBS Bank, said: "In most scenarios, you would also have a lower monthly instalment amount to repay compared to managing different accounts individually. For example, someone without DCP would likely be paying around 3 per cent of their total outstanding on a monthly basis at an effective interest rate in excess of 20 per cent per annum. "With DCP, the monthly repayment would be around 2 per cent of their total outstanding and at an effective interest rate in excess of 10 per cent a year onwards."

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Source: https://www.straitstimes.com/business/deep-in-d...

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Hope that helps!