Which is the correct calculation?
BT 12k first 12 months 0% next 12 month 0.375% monthly

Method 1
Month 1 -12 : RM 6k/12 = RM 500 monthly
Month 13 -124 : (RM 6k*104.5%)/12 = RM 523 monthly

Total Interest : RM 270

Method 2
Month 1 -12 : RM 6k/12 = RM 500 monthly
Month 13 -12 : {RM 6k + (RM 12k*4.5%)}/12 = RM 545 monthly

Total Interest : RM 540

Method 3
Month 1 -12 : RM 6k/12 = RM 500 monthly
Month 13 : RM 500 + (RM6k*0.375%) : RM 525
Month 14 : RM 500 + (RM5.5*0.375%) : RM 521
Month 15 : RM 500 + (RM5k*0.375%) : RM 519

and so on..until

Month 24 : RM 500*0.375% : RM 502

Total interest : RM 147

Oh ,nid to do it that way
Okok ,but currently i only got mbb islamic card
Let me go find other card to try it out
Thanks

I am not sure also. So ask you to try.
Don't know how strict they want to comply (Syariah).

Hi  ,how u do the bt? By maybank2u online banking?

anybody try before for HL BT birthday offer?
saw this, and tenure is Life Time  

[attachmentid=10064093]

4.99% is super high, especially as most of us only go for 0% offers. Lifetime tenure is basically a debt trap...

Normal MBB response to BT applications very quick.

I appplied a BT on last friday, but I'm still not being notified on the status. Anyone applied recently and no updates from MBB too?

M2U no longer displays the link about the 0% BT fee offer at the plan selection screen.

will PBB call for validating the BT request? reason for asking because i will be at oversea soon 

Hi guys, I have a dilemma. Recently not working for quite awhile now, but will be resuming next month. I have a maybank 2 card with 5k due soon, and a pb quantum that I just settled. My concern is that I owe PTPTN around 26k and would like to make use of the 20% discount by end of this year (21k after less).

The thing is, I currently have around 24k as my savings and would like to settle both PTPTN and maybank 2 card without getting charged by interest. Would it be wise to use BT from pbb 0% to pay my current 5k in maybank or is it better if I use PB flexipay 0% to pay for my PTPTN? I just need to get through until end of December .. ><

7k.

Even if you top up the CL yourself (by adding cash into your limit), I don't think it will work because that's not your real CL and cannot do 0% flexipay.

Any recommended 0% BT (with possible longer re-payment tenure) for new subscriber? And the annual fee is waived?

Interesting...would it affect your future credit application since you have utilised >100% of your credit limit? Trying to understand if there is any negative impact for doing this. 

Based on this, seems like limit is 80% of available limit, not credit limit, for PBB's balance transfer.

But how did you lamode get outstanding of more than CL? Cash infusion as above? Wouldn't that mean outstanding still less than CL?

Tried applying for Affinbank recently for the balance transfer. But unlike other banks where can apply/send form online, a customer service person wanted to meet me personally to sign form? Wondering if this is normal? Paranoid, not a scam right? ;p

any bank doing zero % balance transfer now?

AEON BT @ 0%...hi anyone applied aeon balance transfer? how long they take to process? online application? thanks...any hidden fees?

Greetings sifus,

For AEON Credit balance transfer, does anyone know any email/other channel that I can send the application form to? In their BT form, only saying fax to 03-7863 7800. Fax seems a little bit outdated in this era.

Thanks for any replies

Oh no, i'm going to cancel this card once and for all, no reason for me keeping it afterall

31.12.2018 i submitted PBB 0% BT, hopefully  in time for that 0% BT

Has anyone come across affin bank BT 0% promo (from 1/1/2019 to 30/6/2019)?

6 months 0% for existing customers, 12 months 0% for new and existing customers

[T&C]

[FAQ]

[Application Form]

CIMB still have 0% for 6 months until 31st Mar 2019...
https://www.cimbbank.com.my/en/personal/pre...r-campaign.html