If cash advance, then it is ok with 18%interest. But above case is over paid rm1000. I just withdraw back my overpaid money, not advance bank money. So can argue with bank for term of 'cash advance '

i just based on a case study where posted by another forumer (see below), if we are able to get bank to waive this charges, then we can 0% bt into card account, then withdraw it. Meanings that, a method to convert 0% BT to pocket cash



Debit Card: Put $$ in first, then you swipe the amount deposited.
Credit Card: Use the $$ first, pay later


Cash Advance issue:-

1)Public Bank Debit Card
Example: Bank in RM5,000. Swipe RM4,000. Balance RM1,000.

Then you wish to take back RM1,000 for normal daily cash usage.
Go to Public Bank ATM withdrawal RM1,000.
Amount deducted= RM1,000.


2)Citibank Credit Card
Example: Bank in RM5,000. Swipe RM4,000. Balance RM1,000.

Then you wish to take back RM1,000 for normal daily cash usage.
Go to Citibank ATM withdrawal RM1,000.
Amount deducted= RM1,000 + RM50(5% charge)
= RM1,050


My question is... WHY?!?!??! RM1,000 is my $$$$ in there!

You can convert cash voucher 8000TP for RM50
or 200TP for RM1, then use the voucher to buy your samsung tab, same.