I apply Pbb, BSN and AEON too....
But, Pbb, BSN all rejected....
Now, pending AEON to approve me

CiTi officer call me yesterday and asked me to BT 6mths Zero %, i agreed and today i checked my CiTi online and the amount was debited onto my account and i got a fon call again telling me that the fund have been sent to the bank concern.
Good Service, CiTi 

No separate ac , I have 2 cards with them and was adviced to BT into the "seldom" use card.

HLB will create a separate ac for its BT programme and you cannot fully settle them within the BT period

Yes, I only need to pay only the minimum 5% repayment from mth#1 ~ mth#5 and bal of the BT on mth#6

There is no penalty if i were to settle early ( no nid to settle as i can fully enjoy this BT )

HLB is offering BT 0% for 6 months accross the board. No need to be selected.

bro, I also got apply this 0% BT promotion on feb 2012 and my statement came already.
The BT amount is mix with my normal retail transaction. I dont know how much I should pay in order not to get penalty charges.
So, I called up the CS and the shit Yestin give me the answer is the only way to avoid penalty charges is I need to pay full amount.
Means I need to pay full of my retail transaction + the BT full amount.
What the fu*k question? what is the meaning of 0% 6months BT ?
do you have any idea ?

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Added on March 9, 2012, 8:52 am
Bro, I also got applied this 0% 6-months BT with reducing balance.
The call centre staff, En. Wafi confirmed with me that I just need to pay 5% of BT outstanding amount in first 5 month, then 6th month pay in full.
And my statement already arrive. The problem is the BT amount is mix with my retail transaction which mean in one same statement.

And yesterday and today I just call the call centre and you guys know what is their answer?

They inform me even now i pay minimum amount, I still will kena financial charges this month.

My feb 2012 statement:
  - normal transaction is total RM200
  - The bt amount is RM20K

based of my understanding, I just need to pay RM200 in full + the RM1000 (20K * 5%) = RM1200  (it can avoid financial charge)

But, what the CS told me was even though I pay minimum payment, I will still got financial charge unless I PAY FULL???

what was that ? fu*k....then what is the meaning of 0% BT ??????

Lesson learned - only go for BT where new account is created or you won't be using the card for your transactions.

just call them to waive it every month. Those CS sure will tell you not to spend anything on your card until you fully settle your BT

Ronnie,

Aint the UOB's BT 0% program from New-To-Bank will create you a separate account showing the BT amount?

Ronnie, did you asked UOB CS if the payment channel to retail transaction first before balance transfer?
Not sure if you were told that UOB balance transfer repayment is equal-monthly-repayment (say BT RM6k, each month has to pay RM1k, not 5%).

i have experienced with 0% from OCBC, you can ask for waiver for the finance charges provided you always pay in full (5% BT + retails). but very tired to call every month for the next 6 months

guys, is payment period of BT have any different with normal CC payment?
(due date ~20 days after statement date)
someone say about being charged if 1 day late..
is it 1 day late after due date? or is it for BT, due date = statement date?

Where to get this info about UOB BBT New-to-Bank 6-month 0%? Or it's only for invitation?