how many points you guys have collected from Aeon so far?
I have redeemed my points twice so far, RM200 (50k points) on 15.6.14 and
RM250 (62.5k) on 16.10.14.
My latest statement gave me 15k points, now got bal 57.6k points, another Rm200

Use Watami, is worth keeping, the 3% =RM150 every quarter.
If you have BT instalments sure must keep till the end , if not you lose your points and ?kena penalty.
6 month BT once and get points is a bonus.

this 0% BT from Affin, is it permanent feature from Affin ? Or only promotion till certain month? This month i kena cukupx2 , have to take out alot of cash paying all my previous bills accumulated.........due to bt loopings till run out CR balance.

Yes Citibank has ZERO ffee ZERO interest BT.

I just applied 2 BTS to pay my PBB and HLB outstandings.

No need to fill form ,no need statement at all. so easy.
But it wont accept BT from Aeon Credit card

i am not a New citibank card member. Read in here somebody got 0% BT at citibank, new member though.

Since i have so huge cc debts to pay now, no harm trying la. i applied online, gave names and contact, next day received call and i quickly threw my big PBB bill to them, surprisingly approved so easily. Monthly installment over 12 months.

And then he said i got another rm25k to do BT. Really Godsend! early ang pow from Citibank ha ha. so i share with you guys. go get this free money to spend (if you make citibank pay your MBB).

https://www.citibank.com.my/english/existin...yforbaltransfer

It seems maybank does show the 3% charge (waivable) fee anymore for out BT.

my last BT from MBF Card to MBB , approved and paid on 31.1.15,
but until today i dont see the 3% fee on the transaction list online.
How about you guys?

citibank BT payment so fast.

i sent email on Sunday night 22.2.15 to inform i wanna do another BT (to the guy who recorded my first citibank BT application),received his call Monday morning, application recorded over the phone only, no forms no email submission required.Just now i checked, RM14+k already in my Maybank card acc. tomorrow gonna call mbb for refund.

meanwhile i also emailed a BT application to Aeon Watami , hoping for another payment to my same MBB statement. Dapat, considered extra bonus to spend.
tak dapat takpa.

i managed 42, got 166614 points worth more than RM600, IF the
new T&C does not apply to previously approved BTs

They are NOT trolls. They are regulars in BT and they asked you the questions all of us in here also want to ask.
Overpay RM400k woh!! Credit limit how much?


Now every intelligent person will suspect your RM400k overpayment is really a big BS!

Only people who BS talk big will do this when cornered.
What's so difficult posting your cc statement to prove you are no BS?

i have done many more than rm5k, and refund was so easy without much query.At one time i got a double refund, due to their slow online update and my double prong approach, call and email same time.

Now, this must be something new.

in fact every time i do over payment of big amount, i fear this refusal to refund will happen on day...
using 0% interest BT to cash out should be done discreetly, i mean i never say that over payment is from BT. use other reasons.

surely banks have some kind of memo amongst themselves to squeeze money from us, and not the other round. looks like they have discovered our tricks here.

This post has been edited by guy3288: Mar 25 2015, 08:39 AM

my last approved Aeon Bt was in Feb 15, so last week i simply tried again,but no luck.. BT declined again..

Then 2 days ago, my 'saviour' came again this time not email but a phone call. Ambank MBf card offering me RM30k 0% zero fee BT !. she said offer only till 15.4.15, i said no worry, no need 1 week, i can wallop them all in 1 shot,
whack 10k to MBB, 12k to citibank , 8k to PBB.. ha ha

yes, last year i received 2 or 3 offers via email. despite me hardly using the card, all i have there is BT instal only..
If you have MBF card, just wait for your lucky call.

Tips of doing BT overpay and try to cash out:
1)MBB no problem , even 10k.
2)Citibank watch out - overpay below RM2000 no problem, above that susah.

Note Aeon Watami BT - from this month's statement start, - even the previous BT intalment now no more Points given. i still got quite alot of install to go, no more earning points sigh...

hooray, finally managed to get refund of BT over payment to Citi.

MBF offerred me 0% BT on 13.4.15, so i did 2 BT overpayment.
1 to MBB >10k, got it back on 15.4.15 without a question

12k BT to citibank got into trouble, requested for bank in slip, so needed all the work to get the payment details, now only is refunded.

Note: THose who wanna over pay citi, make sure it is <rm2000, otherwis be prepared to go through the hassle.

is your amount more than RM2k?
Yes in my case, finally i have to admit it is a BT and i have no slip.
But i managed to give them the IBG transaction details etc.

yeah me also waiting for my 6 month period to be over. Then do 1 big max BT, overpay to all the cards, and claim back cash.

Trouble is sometimes getting into difficulty trying to get back the overpayment.
So far MBB is the best, done overpayment RM10+k, can easily cash out without a question. I wonder if overpay 20k to cash out, would it still be that easy to cash out or not. Anybody has done that amount?

Citibank i learned a lesson, below 2k, easy. I did one above that, had trouble trying to get back till i had to admit it is not my money but BT from another bank.

no tricks la, just make 2 BTs from 2 different banks to pay one statement.

simple cut and paste also can la....

BSN misleading , NOT really 0% for 12 months, only first 6 months free, subsequent 6 months kena charge! Dont take it!