i think i am gonna try to apply 0% balance transfer for this card
since i am having about rm1k+ with my AMEX.

do u think it can increase the % chances of approval?

currently got promo 0% for 12 months
just wanna give a try for test my luck

yup
even without promo, its still will be charged 3% one time + 0.5% per month

the promo is only for 0% easypay for 12 months
the rest of that is normal charge, without promo

3% one time is more or less equivalent to 0.25% per month, flat
as for 24 months is 0.375% per month, or compounding based on monthly balance if not meet minimum payment

12 months is more preferable.

This post has been edited by suadrif: Jul 29 2015, 09:13 AM

maybe, just maybe (my personal opinion), Maybank tend to approve for those who have outstanding balance, for example as B below?
u see, bank normally gain profit via interest, therefore:

a. People using CC with clean record, enjoy benefit without any late payment - no profit to bank
b. People using CC with average record, enjoy benefit but sometimes paying minimum and sometimes full - good for bank. they can rolling more on interest with this secured customer
c. People using CC with bad record, enjoy benefit but so much miss payment - bad customer. no point of charging interest when no payment is made.

guys
i had a complication here

should i apply for conversion and apply with balance transfer 0.375% p.m for rm10k/24 months

or

should i apply for conversion, transfer full amount, and apply balance transfer promotion with 0% for rm10k/12 months

or is there any chance for maybank to automatically convert my application to promotion terms n condition?

but 0.375% per annum is 4.5%.
i thought the 12 months package is much more better?

i see
i forgot that 12 months is actually charging a flat rate interest of 3%
whereas the 24 months is actually charging 0.375% based on reducing balance.

ya good suggestion
will proceed with the 24 months first
and then initiate 2nd balance transfer to Public Bank

i did applied for conversion from MBB2 to Ikhwan on 14 Sept with balance transfer RM5k for 24 months.

got approved on 22 Sept. but problem is my MBB2 having negative balance because of overpayment rm1.7k. called the CS and they said will refund it back into my saving account within 3 working days.

Guys

Is Family Store included in one of the groceries merchant list?

fruitie, may I know why my statement in Maybank2u is still blank?

I converted from Mbb2kard to ikhwan by balance transfer for 24 months, approved on 22nd September. But until now my statement is still rm0

Do I need to wait until statement date?