any citibank card? wa lao how can we miss this?

i like how captain put it...if you need to rely on bt to get out of trouble then by all means cut your cc usage.

i always promote use of bt especially when there is no fee or interest involve. my old man hate banks and think they are always up to something and rightly so. BT is a trap to trap people who use every single cent they have. it is only for people with discipline.

much like people who commit themself to save via insurance linked saving plan, i fd the excessive cash from bt and treat the monthly installment as forced saving.

but to be frank, it is very easy for that devil side of you to think....hmm why not use the cash for a brand new phone or smtg.

Handle with care as it will burn

This post has been edited by bearbear: May 12 2014, 12:52 AM

rhb tidur? 2 days and no call

famous ones and always offer 0% - Aeon and PBB

RHB promo ending next month and some other banks that offer under special conditions.

cash advance from CC is another animal lo, i believe what we do here is

1. swipe x amount
2. we have x amount in cash, put in FD
3. BT x amount to another bank and pay in installment with 0 interest.

Problem is are you discipline enough to save the X amount, most people would just continue to use for other stuff as it appear as extra cash on hand.

This post has been edited by bearbear: May 19 2014, 01:48 PM

Well lately sifu here has teach us about double BT as most bank accept looping of BT regardless of the nature of your outstanding. I am in manufacturing line and this is like the breaking your big problem down to small problems approach in financial term.

they can't, hoping you don't pay up when it is due is the evil plan.

not exactly nice which is why we need to improve it, quoting my master - to eat an elephant you have to cut it down to many small pieces rather than biting the big elephant.

nop u cant bt to same bank. i suppose applying 2nd card will be an issue due to your outstanding.

have never been turned down

1. exceed 80% of CL
2. Insufficient supporting document
3. Huge outstanding / bad repayment records?

For me i don't mind min. swipe as you can buy literately anything with it since min. amount is no imposed. I rate min. swipe above paying interest.

if you perform 20k BT a year, 0.3% a month for 6 months is like RM360 a year to pay.

Why pay when you can get it free?

1. Check with affin

2. Yes as long as the amount is within 80% of your available CL. Some bank impose minimum amount so you need to be within the parameter.

3. AEON 6 months min 1k, RHB 6 months min 3k ending June, PBB various promo for new sign up i think for normal is 6 months min 5k ending July.

4. is possible as long as you fulfill minimum amt to BT and the amt is within 80% of your available CL, suggest Aeon as last since they accept 1k per bank.

What is the 3%?

This post has been edited by bearbear: May 28 2014, 02:20 PM

I think islamic 1 is 1k, someone posted before but for normal 1 it is 3k min.

split to 2 bank? no problem i don't think bank is so free to check even if you BT 2x10k to different bank.

depends on bank bro, like the guys shared public bank don't need statement to apply. Probably because the min. amount is too high?

Lol they pay to MBB X 2, you also need to pay back X 2.

lol PB really like machine working in the back

they will send u a sms, usually within a day.

statement 10th, payment due 1st or 2nd the following month.

lol HLB

Mr xxx

we would like to offer you BT with 4.99% interest, this is for selected customer only

recently when they call me for vetification they kept highlighting the expiry date of the offer. Guess they will not extend which is sad