May I know Maybank give you how times of your monthly income? 90K CL is very very high.

No lah, brother. .. Just want to know bank now leveraging how many times of monthly income for CL?

Recently receive SMS from HSBC to increase CL......long time did not see bank do this already

u can use this link to make online redemption

https://www.maybankard.net.my/

It takes around 2-3 business day to process.

After 2012 BNM new rules, I hardly see bank offer CL increase to customers.

to easy cash out......get HLB CC

use HLB CC cash out, after that use Maybank 0% BT 12 months

fee ～ IBG RM2.......plus 6.99% PA interest
U can cash out from HLB and then use Maybank BT 95% of the cash out amount, dun settle immediately the cash out (if you want to avoid early cancellation penalty fee RM70). However if you feel that the early cancellation penalty is lower than the total amount of interest (6.99% PA) for next six month repayment, u can proceed.

6.99%, reducing balance calculation.

example.

you call HLB to cash out 20K, total charge appear into account 20,002.00

once you see this cash out account number appear into your online account, apply Maybank balance transfer 19500 (monthly repayment 1625 x 12 months). Balance 502 at HLB account, u repayment progressively in 6 months.

Roughly calculation
1st month statement, 502+(502 interest = RM3-4), repayment 50
2nd month.....


6th month, settle it......total fee and interest will be less than RM30


At the same time, repay Maybank 1625 punctually to avoid any interest charge.

U can read the BT thread how to cash out

some ppl like to use this matter to get money.......interest rate less than business loan interest rate (short term).

debt free is great!