true, as the maybank cards are the only card i use for transactions and 12 month is really slow for the CL to pick up again. I try to limit my BT total amount to less than half of my CL else i might not be able to use my cc anymore near month end.

trying to get affin purely for BT, else maybe will use RHB

only this:

Balance Transfer: 12 months @ 2.8% and 6 months @ 1.2%
Promotion valid till 31 January 2015

http://www.rhb.com.my/cards/benefits/smart_move/main.html

u asked about ongoing promo mah, so now RHB has 1.2% promo lor

UOB BT very efficient. Applied 25.9.15, today saw money in MBB already.

Called MBB ask for only RM15k refund , this Adrin told me "cannot" , need proof of payment etc!! First time kena like this with MBB , usually no Q asked.
Luckily i took only 54k fr UOB, if i whack all 80k more will be stuck now.

Now got to get proof of payment, sigh.......

yes, my total BT running was once 5x k. Scary to look at

But still small kacang here la.