I did that vs 2 banks, initially it works but some banks begin to be suspicious, e.g. bank will ask for the proof of overpaid amount such as deposit slip, then it involves more issues bcos I won't admit that I overpaid so I can get paid back to my current/saving account.

At last I have to use other channels to "spend" the overpaid amount so I can get paid back, but it's real tough, worth if it's 0% bt offer, otherwise, u have to consider whether worth to get all kinds of troublesome & delay.

Suggestion to do channel out bt amount in cash, do it with HLB CC, it's kind of open secret in the industry if u understand how it works.