ah.. at last a proper "0% BT".. or not all is 0% thread has been created...

i was wondering why did the previous BT thread that has totally no information on the first post still exists and everyone else have problems on this thread~

nevertheless, kudos for the new thread...

back to first post...

Your am-bank list have problems... the spoilers

Same goes to your AEON spoilers also.

Do check ~ it has links to pbb and AEON/AM-bank too~

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~



This post has been edited by boonykun: Jun 1 2012, 02:26 AM

Yea i worry that too

overpaid my Citibank CC last month as there's Reverse transactions (From some other parties), therefore there's some balance on the total spends.

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

What do you mean by "Extra" Interests?

tq~

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?

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.

This post has been edited by boonykun: Jun 4 2012, 09:37 AM

For Citibank's BT, previously warned by Ronnie and hye where it's Tricky...



Since that time i have around 5.5k++ on Citibank's C.C. account... I've opted to that time's Promo.. that is 0% interest for 6 Months, but as subject to how the T&C stated.. no idea on how it cuts my "total" spendings.

after 1 month applied that BT, it directly cuts 3k out from my 5.5k Extra balance on the C.C.

Will take a pic and show it.. and after i called the "Customer careline", they mentioned that your BT has cleared out due to the "Funds" within the Extra limit is enough to clear out directly...

So...