Same experience. But my limit is so low, just RM6k. My monthly salary which is credited to their own bank is multiples higher than that.

Still no bueno. Damn dumb wei.

New CC applications with other banks I have zero relationship with, they close eye give me => RM50k limits.

Yes this works. thanks!

New credit card users promotion.


So I managed to BT UOB to MBB Amex 25k. However the merchant told me that only installment payment plan works for AMEX, not lump sum payment.

I now have -20+ k in MBB AMEX. Initially i wanted to do BT to MBB AMEX for the credit card (HL CC) i used to make the purchase. But MBB doesnt allow BT if you have -negative balance in the credit card (checked with their live agent chat support). So i then used the EzyCash 6 months installment 0% promotion. Managed to receive 20k in cash in my MBB account.

Question I have is, it seems EzyCash uses the original AMEX credit limit that comes with the card, my AMEX card is still showing -22k. So i guess this amount is stucked in AMEX? But AMEX not widely accepted everywhere. I have few installment tied to MBB (AMEX and Visa) which i plan to request for early settlement to reduce the amount tied there.

Also, once i did the ezycash, somehow Balance transfer option is available now, with up to maximum of 22k. So I can either BT to HL or UOB (request for early settlement of the original BT). Not sure if I can use the excess credit I have in AMEX, to do early settlement of the EzyCash, which i plan to check with the live support agent at 9 am.

Or anyone have better idea what should I do with the funds i have? Things are getting way more complicated now. I could have just BT to UOB for the HL credit card, but wasnt told by the sales advisor that AMEX is only for installment plan at first.

Didn't expect this MBB BT so fast O.o

Applied last night 7pm +
Today received SMS
Today can see my other bank there already appear transaction

Not even 24 hours.

Is there any charges for Early settlement of UOB BT by 1 day ?

there is no early settlement charges for UOB BT for ongoing ones

Apparently for BTs started from Sept 25, there is a settlement fee of RM 100 and it's a standard installment plan.

This post has been edited by Gabriel03: Oct 2 2025, 08:47 PM

maybe my new card member plan is different, there is no early settlement penalty for this plan.

RM0 UOB: Enjoy 0% p.a. for 6 months when you transfer credit card balances from other banks by 31Oct25. Search B3 on our website to apply. Offer Code: BT52. T&C

Std installment or reducing plan?

Std installment.

Is there other bank offering like Maybank Ezycash ?

RHB offers 0% CashExcess (Similar to MBB EzyCash) for new customers to their CC

Applied for Maybank BT on MAE app yesterday, within few hours STP approved, very efficient. Even more efficient is not yet received payout at CC but already received call from some outsource agency to offer loans 😑 any way to opt out of this?

nope. That's how banks earn money, by selling your data to 3rd party. You have to agree when you sign up for BT.

coincident saja dont think too much
MBB is a reputable company dont think they gonna sell your info

I have tons of personal loan calls and I'm not sure who sold my data.

These days I just turned on the call screening on iPhone.

for me, biggest offender: UOB!

I got from AmBank, SCB (now cancelled already), UOB yes.

UOB the most annoying these days

I told them only 0% or 0% with rebate then call me please [well they ignore]

UOB is annoying indeed.

I didn't get the promotional SMS this month, but I went on to apply for the 0% BT anyway (with the code BT52), and they called yesterday telling me I am not entitled to the promo..... instead offered me BT at 3.99% p.a.

I told them the same thing. If there's no 0%, no need to call... which, of course they will ignore anyway.

This post has been edited by Ethan: Oct 10 2025, 01:44 PM

why would they call you if its 0%?

if its 0%, it will be the other way round, customer queuing to apply for the 0%

They did previously when having 0% reducing balance that period year 2024.