bt to mbb as mbb will round up to the nearest hundred, means 968 will be 1k, just nice for you.

yes, you round up yourself in th bt application form.

that's why you need to take the initiative to round up first so that they will just follow.

there are 2 types of bt:
1) the bt instalment amount will be posted into a dummy cc account (created solely for this bt purpose) with its own unique 16-digit cc number
2) the bt instalment amount will be posted into your existing cc account join with your current cc outstanding

if it's (1) then you may pay the minimum amount every month and until the final month you pay one shot all outstanding and you still enjoy the 0%.

if it's (2) then you need to pay the whole statement amount as paying minimum amount will cause your existing cc account to be imposed with interest

both are actually 0% interest and is equally divided into 6 months (or 12 months) instalments.

let's say, if you bt 12k at 0% for 6 months, when it's equally divided to 6 months, you need to pay monthly rm2k.

but if you bt 12k at 3% for 6 months, when it's equally divided to 6 months, you need to pay monthly rm2,060.

the difference is on the monthly instalment amount you are going to pay if it's at 0% or 3% or etc.

no charges

it depends on the rules set by the bank on the bt for dummy cc. there's one only starts charging the interest if you unable to clear after your term (6 months or 12 months), and provided you pay at least the minimum amount every month.

move la, it's worth the hassle.

another reason is that the other cc they holding does not offer 0% for bt.

yes, you are right.

yes, just call the cs.

get aeon cc. bt from aeon to mbb. do extra payment. cash out extra payment.

sorry i terbalik. bt from mbb to aeon. means use aeon to pay to mbb (pay extra). whatever extra can be "cash out" from mbb to your casa without any cost. furthermore, bt for aeon/mbb is 0%.

your question is about maximum cl or maximum bt?

maximum cl is as explained above, maximum bt is about 80%-90% of your cl.

This post has been edited by victorywp: Jan 1 2015, 11:55 AM

yeah, me too. at first i thought they didn't receive my application. so after 1 week+, i resent the same application form. but was surprised when i found the approval letter already in my post box, arrived via snail mail.

i think they won't because i already burst my cl. lol...

the answer is just above your post.

unable to up my mbb cl due to just recently added 2 more cc from rhb which are 2.5x higher than my mbb cl.

yes, this is the correct procedure. take up to 14 days but that's the max.

i received rm1 = 1point in my watami cc. then redeem for rm50 cash at 12,500 points. effective 0.4% cashback.

This post has been edited by victorywp: Jan 6 2015, 10:40 AM