The 1st 1 70%

July clear up and august overpaid 1 month to bt again 80%

September clear till left 1/3 outstanding.


I am finding the reason for rejected

This time try lower % c how.

so uptodate they rejected you how many times already actually?

2.

why not call them ask why rejected?

simple what

because CS won't be able to tell even if asked.

They would not disclose..

because i am too safe..scare will be reject if i round up..hence i just round down

Haha..I noe sure gt ppl reply tis.thx

Hmm there is some wrong info on hlb bt :

hlb's rate is 6.99% pa reducing rate, tenure either half year/1 year. there is no any other charges.

and not sure if u guys know about this
during birthday month if u apply, u can get bt at 4.99% pa on a life time tenure, no any other charges/tnc too

why would you want to "donate" more to bank wherease selected banks/cards are offering 0% BT?

not everyone have those card, even myself. so just sharing out the info i know loh brother

agree on the cards as not everyone have 'em. heck, i cant even qualify for maybank's BT cuz my HLB cc statement ~RM400 nia

u have to combine with other cc to make it rm1k and above

a bit problematic for me i only carry Maybank2Cards and HLB Wise.

now preplanning my Wise spending on next month's statement to hit 1k, then BT to MBB.

That is what i am thinking as well

Thanks.

Did you attach the whole statement (few pages) or just the front page?

up to you. first page or second page or both.

Don't worry..you can round UP as long u have sufficient CL. I had successful my BT for round UP. But now have LYN member who round nearest Ringgit success..I think that is better, as no better reason to overpay too much to other cc.

Yes, thats me. Round-UP to the nearest RM, tranfered to my other cc already yesterday!!!

Congrats on your test success, bro..