Cannot early settlement....
Must pay on the last date to avoid early settlement fee or late payment interest

what i mean is if you do bt, you would have extra cash in hand. Good in the sense if you put in FD or your flexi home loan account. will earn / save you lots of interest

however, once you do this bt over and over again (yes, you can BT from Bank A to B, then next month B to A, repeat...), you will have lots of "cash". These cash will tempt a lot of people to spend (instead of save)

At the end of the day you would have to pay the amount you owe the bank due to BT with your own cash (you can't BT forever, there is a limit). So, if you spend instead of saving the BT money, you would have no cash left to pay them, and now they will charge you standard credit card finance fee (12% to 18% PA).

This is when your nightmare starts

Of course, if you have confidence to clear your cc debt on time all the time, then this is no issue

not a good idea. you are aware that cashing out cash using CC will incur charges right?

yeah, deeper hole dude 

i got around RM3.xk at my uob, now i wish to transfer to public for around 6 month with 0 interest...

Should i do it before due date of my uob credit card payment or can be later?

by just charging me some late payment interest..