About this promo, I got call from Maybank..they also offer cash treat up to 36months but with some interest. So I just pass their promo since its a contest, if no luck no s3 or free tab I asked them when will get 0% BT, they said maybe end of this year...so to those who want to do BT, i think its not hurt to wait few more months since Maybank got 12months 0% history

maybank BT usually will distribute ur BT amount to 12month(incase you take 12month BT).. for example you BT rm1.2k for 12months, so your maybank cc statements will shows rm100 (1/12) for first month and rm100 (12/12) for last month of BT. if you not paid the full amount each month, you will get charged according to normal cc rates. hope you get clear on this. this only true for maybank and others who follow the same rule

1st month u pay $100
2nd month u pay $200
3rd month u receive statement u have credit balance, so u dont have to pay for 3rd month
4th mth continue to pay your $100