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

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.

hmm... ok..

but they will be still charging me the BT monthly right with the allocated charges?

that's is let me take an example.. i'm taking a 4k BT loan from them @ 0.9% PA for a total of 6 months.

i should be paying around RM670 approx per month inclusive interest for 6 months

by that.. they will be charging me a fix sum of RM670 per month right?

in hirearchy means... lets say i have retail spending on the month... around RM300

so total i would need to pay RM970 but if i pay RM900 tthen i will be charged interest ... then it's ok.. cos that's impossible as i have more then enough funds to be deducted...

or how will it works?

@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.

ok...

i shall consult with the respective parties if they are willingly to take the risk.

if no then i shall ignore Citibank's BT if that's the case..

need to think of a way to clear out that extra Credited funds in C.C. then

Thanks.