Yeah, keep them in m2u saver-i account also can get 2.25% interest...



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Yes, I love that account. Generates not too bad interest for me.

Just another headsup, don't be panic that CS will tell the transfer will take 8 working days (from their SOP script).
Based on my past 3 requests, they did it within 2 working days.
Since your statement is 24, you better call them fast fast.

OK, will call them fast after my meeting. My boss is with me now.

How to create that acc? Throught m2u?

Yes, open inside m2u, no need to go to branch.

Actually must do in M2U, cannot do in branch. My parents who are not IT literate, wanted this account too but were refused in the branch. They told them this must be done in M2U...

Anyway, just called Maybank for the overpayment... She wasn't that friendly and kept saying I cannot get back the full amount paid by AEON. She said must deduct the unbilled transactions and only pay me the balance.
After trying to convince her for a while, she said will apply for me but subject to management's approval and yes she told me 8 working days and I stayed calm about this.

Do you think I will get back the full amount?

I told her the bill is not generated yet and it will only due in mid of next month, I may need the money for other purposes...

This post has been edited by fruitie: Dec 18 2014, 03:10 PM

I would say 50-50, as MBB has not been consistent on this.
There was once, they only transfer the balance after net off the unbilled amount.
Says Unbilled = 3k, BT#1 = 5k; I called to request to transfer 5k; the CS say ok, but end up only transfer 2k.
I called back to complaint and they transfer the remainder 3k; but partly also my BT#2 = 3k just posted.
The early experience similar like the above, but they straight transfer 5k though there were unbilled amount.
All the best to you.

OK.
Luckily my unbilled amount is just 700+ less than 800 and not 5k or something...

Most of the time (based on my past experience), they will transfer back the excess payment after deducted with current outstanding amount.
Not sure whether they can actually did that (transfer full amount), because this is not what overpayment meant.

OK, I have to accept whatever that comes to me.
Fortunately my unbilled transaction is not that much. I will avoid using my AmEx these few days then...

I get full refund after gv the stupid cs a good fuarking scolding.

Check back my post earlier

At least yours was a valid reason. Mine already due on Sunday so I had no choice but to pay first.. Only reflected today, there are few days apart.

I did paid for my statement first and then the BT payment came in.
Got my refund back in three working days.

actually your housing loan is flexi or non flexi type?

if flexi type, not a big issue

since money saved from BT is put into housing loan, when you need to pay the cc, just withdraw from your housing loan

Semi flexi where RM 10 is charged for each withdrawal. So far I haven't withdraw before.

Good discipline for me to save more because nowadays I only have a limited dispensable income to spend because need to pay massive BT every month

Full refund or after deducting unbilled transactions?
I think like others mentioned, depending on the personnel attending to these cases.

For my case the CS asked me which amount and i said the full amount which is the balance statement value itself.
Initial the CS did tell the another figure which i think after deduction on the unbilled transaction.

Anyway lucky for me to get full refund

The profit sharing does it mean sharing the profit of 2.25% into 95% bank and 5% to depositor?

Let's say the interest from the 2.25% is Rm100, which mean Rm95 to the bank and Rm5 to the depositor?

If not then why they list out the profit sharing ratio???

seems a lot of people getting full refund. good news too
I thought above 10k withdrawal, we need to provide proof of payment?
So, I always withdraw amount less than 10k to prevent hassle..