Actually now a day, a lot of confuse word from credit card sales person. Just that day, one std charted bank cc sales call me regaring their BT and MBB BT. They try to come out some confuse word like "separate acc" to said MBB BT is cheating ppl and at the end customer will paid more interest.

For me, tat's no separate accounts even in CIMB BT. All the BT will be under same credit card acc, just CIMB offer special Zero interest for 6 mth BT only. Means that, in the 1st 6 month the BT will not charge any interest as long as customer paid RM50 or 5% whichever is higher. And For MBB BT case, it is more or less like Zero interest instalment planning.

So both BT method oso under same credit acc and NO SEPARATE ACCOUNT. I hope in future sales person NO MORE COME OUT ALL THESE CONFUSE WORD to cheat customer sign up their credit card.