called Citibank this midnite ard 12am. they are offering 0.99% pa for 6 months BT for certain existing customers like myself.. hmm...

due to i wanna purchase S3 for dad for gifts...

i have somehow over-paid my Citibank... where there's a sufficient funds to purchase a S3 from Digi with cheapest plan possible..

so if i get the Digi S3 from shops witth Amex on saturday... 2nd june = new month... RM2099 + RM28 + RM50 = RM2177.

Rm2177X5 = 10885 TP + RM50 Cash rebate on sat... hmm..

then BT over to Citibank for 6 months... interest rate @ 0.45% for 6 months. *Average Calculation*

Interest rates are just a mere Rm10++

thats Interesting

Shall ask further details with Citibank later today~

Do be careful as Citibank may not create a separate BT account... or you will need to freeze using the Citibank CC to avoid "extra" interest

anyone tried bank islam BT? how fast the processing?

I don't want seperate BT account.. i want them to Deduct Directly From my C.C.

What do you mean by "Extra" Interests?

Because Citibank's BT account is not separate, what it means is that your monthly payment will be based by hierarchy.
In short "Retail Spending" + "BT", so technically you are not paying your bills in full every month if you have retail spending. That means you will be paying interest to the bank.

when u applied the cc? via online application? got RM150 cash rebate? when u submit application and when u got the CC?

@boonykun

The calculations is not as straight forward as you think. You may think you pay off your BT but in actual fact the bank's automatic fund allocation system doesn't work in the logic you describe. (You can't ask the CS to change this allocation system either)
I'll stand firm on you not to use Citibank for retail + BT.

any benefit so far? wonder why u use this CC?

erm.. not much benefit... so far i've been use it for 12 times only, just because of the annual fee waiver...

actually if the spending is not big, it is better to consolidate all spending to a few cc. at least this way, you can qualify to BT since normally BT need a min amount

actually if the spending is not big, it is better to consolidate all spending to a few cc. at least this way, you can qualify to BT since normally BT need a min amount

I personal spend not much...

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Added on June 4, 2012, 11:25 am

I've checked with BIM, we can use 100% of the CL to do the BT prorgam..
what a good news.

New regulation?

I need to do BT to Public Bank. Any agent from Public Bank can let me know?

why u need agent?
just download the form, fill it and fax it in