urgh - based on my test on website, which pushed to phone app, looks like selected customers only

sad life - Ambank & HLB no likie me

yup, i did.
i've been on HLB's 0% BT and 0% flexi for several rounds, even during the years HLB separated account for BTs hehe. Just past year+ seems like HLB no like me no more. (all out of love..).

for the past year or so, elek. sad life

oof.. looks like by invitation only. sad life

still worthwhile to me since below 2%pa effective rate, assuming 12 months la - beggars cant be choosers, other than below 4%pa effective rate

i've applied 3x of which
2x was last month for multi cards per x
1x just this afternoon for one card

https://affinalways.com/en/btip
i just did it XD

i just did mine last Fri- received within a couple of hours, ie. less than 3

i did online with Affin BT website two Sat/Sun ago and last Wed/Thu they called - yeah, for me was 3 working days.

This post has been edited by wongmunkeong: Sep 23 2024, 01:57 PM

mine's 12mths 0% - saw the offer in my emails 2-3 weeks ago

there''s a 0% 12 mths BT already running until Jun 2025 - can apply multiple times given enough credit limit until their June cutoff date

Just sharing on Maybank BT
1. Applied BT online via web 13/08/2025 - just received the funds today in other bank's CC accounts

2. Applied BT online via web 14/08/2025 before (1.) funds were received by other bank's CC accounts - weird, first time i received an SMS rejection but the credit amount usable is way more than the BT i tried.

I thought if different day's application will not face system issues but it looks like need to wait for clearance of earlier BT application first?

This post has been edited by wongmunkeong: Aug 15 2025, 08:35 PM

IF U mean: your payment to HLB CC / BT from HLB BT to other bank's CC:
the last time i did this, about 4+/- months back, CS sounded like "not happy" and said something to the effect of next time no more, please transfer to HLB BT accounts directly.

thus, i only use banks that allow such BT - banks like MBB and PB doesnt seem to allow via their online.

This post has been edited by wongmunkeong: Nov 5 2025, 09:04 PM

danke danke Herr Human Nature

weird - i tried 2 months ago via PB's "new" web app (forced to use new by old when doing BT), it didnt allow me. Tested a few times. Maybe there's some update or i was in gaming mode XD. thanks for the heads up, will test again this month.

This post has been edited by wongmunkeong: Nov 7 2025, 05:51 AM

-deleted- multiple posts

This post has been edited by wongmunkeong: Nov 7 2025, 05:51 AM