Based on my understanding and experience, the max available BT is always based on YOUR Credit Limit, not available credit balance.

If CL = 12k, your max amount for BT is always 80% of 12k which is 9.6k.
If you have spend 5k previously, your new BT balance would be 4.6k (9.6k - 5k).

Nevertheless, nowadays seems that banks did not follow that exactly. Even TnC mention max 80% of CL for BT, i still available to get more than 80%.

just did BT with PBB again, no statement required like others banks do, awesome

what's the problem with 5k for 0%?
if you worry you don't have so much cc debt to be paid with 5k, just overpay it to mbb and cash out the balance. lol...

can ma, as i said, just overpay 5k to your 1k cc debt.
then cash out the 4k lor. 

yes, so far no problem for mbb and ocbc.

The bank will transfer the "overpayment" to your savings account and you can do anything you want.

I only tried once and upon request.
My reason was legit, the payment from Aeon to MBB wasn't done yet but it is already due date. So I paid and two days after that MBB received fund from Aeon. So it has become an overpayment. I called CS to get it transferred back.
It is normal for them that they can only transfer the amount after deducting your unbilled transactions but I did ask the CS to help to transfer the full amount as the due date is still long way to go. She didn't guarantee but she said will try. 3 days later I got the full amount.

Based on the feedback here some received full while some receive after deducting unbilled transaction.

you understand the word NOW in my post? That was posted in September 2014. Mbb don't even have the current offer of 0% with 3% waived but now they do right? zzzzzzzzz 
ok thsnksss

Suddenly so many rejections for Aeon, I better follow the proper process until my MBB statement is generated only submit to them.

Hopefully I won't be rejected... It will be my second BT only.

Ouch! This sucks. Now I really have to pay my CC on time

just called to maybank customer service, they have already approved my BT application, and the cheque will be deposit by either today or next monday.

just curious that they never call or sms me about the status, it is totally different with Aeon.

the maybank cso told me that if i never saw the cheque clearance in my Aeon account, then need to call Aeon and check wor. 

This really confirmed what I was told when my last BT was rejected. Sad... 

tough to be using a 'common' swipe card to BT, and MBB 12 months really hold up the CL too long.

yea, my BT application to Aeon also got rejected.
Looks like we gotta wait for another 6 months, damn.

For pbb it is reported no statement needed.
So just transfer 5k and withdraw excess and put into flexi FD.

But the disadvantage is every month you need to pay RM 833.33

Hi, I plan to BT to my MBB, should I fill in my Visa or AMEX card? Is there any different? Thanks :-)

Yes, for me watami still worth it for 3% sake to cover my insurance premium payment & occasionally petrol & other CB promo.
So consider every 6 months 0% BT with points a bonus then.

can we just email to mbbcardservices@maybank.com.my for MBB BT?

dont want to use office fax or postal mail..

I am sorry if this is a repeated question, but I will try to ask all about BT in 1 post.

I am interested in this free phone offering, and is aiming for the Asus zenfone 5. Right now I am not the primary card holder of any banks, only supplementary for CIMB.

In order to get this, I will have to:
1. Apply for PB Credit card.

2. This is where i am vague. Is it if I have an outstanding debt of RM5000 in my CIMB card, only then i can BT to my new PB cc? Or do I need a debt of RM6250, so 80% of it is RM5000?

3. Approved BT of 36month plan at 8% p/a. So the calculations for this is (RM5000*0.08*3 = RM1200)? Is this RM1200 the interest that i have to pay to the bank within 3 years?

4. If lets say after I BT RM5000 to PB, and then I clear my debt within 1 month, do I still get the phone?

5. Will there be an early termination fee/additional interest if I settled it before the 36-month plan?
Hope that I made myself clear to understand.