Not new, one and a half years already (one round AF waived so far).

Better check your maths. 1.88% interest on BT doesn't make money when put in 3+% interest FD, because you still need to pump money back to BT every month while FD must hold till end of tenure. That money could have earned you interest.

My PBB statement date is 24th, and my MBB statement due date is 26th (Saturday). When's a safe time to apply PBB BT such that it won't appear in next statement (get one more month for repayment) but pays my MBB on time?

Update, I applied mid-morning on 23rd, got my statement on 24th, and yesterday evening (25th) still nothing appeared on my PBB account.

Today (26th) morning when I log in I see the deductions, but it's dated 25th May (so was processed sometime yesterday evening till night time.

Still waiting for money to appear in my target accounts, but based on previous examples I think fairly safe, as it takes a day or so only, only worried about it being weekend (am paying minimum just to minimize any potential charges).

PBB really quite efficient.

If no discipline to manage spending don't use BT and CC at all, will dig deeper hole for yourself.

One easy way for those who don't do too much tracking, just monitor one number (total BT amount) and make sure you have enough liquidity for that. Can leave in those savings accounts which generate higher interest (like M2u-savers-I or similar), just make sure that amount more than your outstanding BT amount.

If you think can't keep the full BT amount in savings, then you are probably getting yourself in trouble.

If you're desparate for 12 months that probably means you have overspent. Time to cut down. BT game will kill you if you indiscriminately use it without cutting down spending.

Well each person has to settle own finances of course. Hope you have a payment plan for everything instead of rolling further BT in 6 months time

No disadvantage to MBB, the cost isn't borne by them, so no reason to change SOP

BT is a trap if you can't repay. Increasing CL just for BT is a bad sign in terms of your financial handling. There's a reason banks give the CL they give, it's based on their judgement how much you can repay.

I'm not assessing your financial capabilities, the bank is. Their actuaries gauge your capability for repayment to give you the CL you have.

If you have additional resources they are not aware off then of course they could be mistaken. However it's a pretty safe bet their estimates are pretty good, this is literally their job and the way they make money.

Learn to use multi-quote please...

You approximate but give information which is misleading, then have to explain, does it really save typing?

Which poison kill you slowest? Which bridge you jump from take longest to die?

Don't do cash advance period. Interested rate not worth it.

If desperate for small amount get a BigPay card and reload it from other CC. Then can withdraw FROM ATM. At least no interest beyond the rm6 withdrawal fee throughout the interest free period.

1. Depends on bank A, some of them require statement so cannot transfer more than your statement amount of bank B. Maybank and PBB do not require statement.

2. Early settlement is a different topic, and may incur some charges depending on situation. Not suitable for discussion here.

Recently MBB not as good experience, people getting more questions/warning from CS (but still no reports of refuse yet).

Some Bank B (Maybank and PBB) don't require statement anyway, so you can still BT the full amount (your 4.5K).

How Bank A handles that is up to them. Some will charge for early settlement. I've never tried (why go for longer repayment just to pay it back early?).

Dammit MBB so efficient. My statement date is 6th Sep (and the card I want to BT to is 13th Sep due date) so I thought evening apply BT on 6th is safe for next statement... already charged to card on same day! So effectively I paying 1 month earlier for everything....

I just applied on Sat and funds banked in before noon today, so yes still available as of then.

Even if the CC does not give CB for topping up, can still be a good idea. Cost is RM6 for each 3000 withdrawal, or about 0.2%, which is about the value of your standard points-earning card. Note the monthly 10k limit for BP though. Best to go to the BigPay topic to learn more.

Only cash transaction. If you use cheque/BT/giro etc. BNM already can view source of your funds so no need to trigger investigation.

16 Nov is Friday, today is Monday. Should be posted by sometime today.