my credit limit 20k. Over payment 30k

they already start tightening.

My UOB BT seems to be approve already. I see they created a separate cc account for it. Am I right to assume that the they will generate a statement for this and i need to do the payment into this new account? after the 6 month BT term has ended they will just close this account?

I having BT with UOB too, this month for my 12/12 BT.

Yup, separate account number will be created for BT, and a statement will be generated contain with your BT & CC account.

You can either pay to BT or CC account for total statement balance, it will split eventually

For closing of account, at the moment I still able to see the BT account, will make a call see whether or not can remove once I paid off.

HLB

My recent application timeline:

14 march 9+am email to MBB
15 March 8+am received email from MBB saying has fwd to respective dept to process
16 March 6+pm received SMS on BT approved
17 March 10+am received SMS on fund transferred to PBB n SCB
17 March 6+pm fund posted to PBB under unbilled.
18 March fund posted to SCB, txn date is 17 March.

I didn't do that.. I just BT according to my outstanding balance ..

It has been disclosed la. When u call CS for refund to CASA they will request that u email them proof of BT payment.

Just did a refund of rm9k last week without problem.

Yes, the super duper important item in HLB BT is the special 0% interest "EXPIRY DATE"!!! [Record this down !!!]
I had real life experience and would like to share below:
The Expiry Date will be notified upon BT approval over phone; and printed on 5th statement (I missed that!!) as mentioned by ronnie.

Follow this for no interest charged:
E.g. Stmt Date = 1st; Due Date = 21st. First stmt date= 1-Oct-16; last stmt due date= 21-Mar-17; Expiry Date= 1-Mar-17.
Pay 5% of outstanding before Due Date (21st) for the first 5 months.
Pay (all outstanding - RM50) before the 6th STATEMENT DATE (which is the EXPIRY DATE), i.e. 1-Mar-17.
Pay the last RM50 on Expiry Date + 1day.

I was charged 18% interest as I was aiming to pay (All - RM50) by 21st for the final month (21-Mar-17).
I was lucky to find out about this deadly EXPIRY DATE on 2-Mar-17 (one day after expiry).
HLB said if pay all today (since it is Expiry+1day) will be no interest charged.
Long story short, I IBFT all on 6-Mar-17, and got charged 4 days interest (2nd to 5th Mar).

I am now on a new BT offer, HLB advise leave RM50 before the Expiry Date, and pay the RM50 on Expiry+1day.
Not too complicated after all, but painful lesson. All in all, still gain from the FD interest.    :thumbsup:

mamamia, were you able to leave only RM5 for the last payment? I was advise to leave RM50 by HLB.

Rmb to check on the last settlement is it need to be settle one day after statement date

Good point .... I remember UOB BT must settle on the same day of Statement Date

UOB BT got such rule?

I remembered only HLB BT the agent explicitly mention this point.

wow... you are super fast to notice details!   
and yes, I have received the waiver for 12 and 20 Jun.

Expecting waiver for fees charged on 05 and 06 JUL to come in AUG 

REASON: due to the amount requested in the form and statement balance shown is different. Please note that for balance transfer, you are not allowed to transfer more than amount stated in the statement.

You can try my suggestion then.

CIMB - 6 months BT for 0%

HSBC - 6 months 0% used to be around. Not sure if the 12 is still available.

Ambank - 6 months also

PBB - Always auto extend 6 months 0%

You should go an apply a MBB and the second card shortly. Then you can manage the BT rather easily.

From the TnC, it says for all new and existing cardmembers.

http://www1.uob.com.my/assets/pdf/tnc/UOB-...ransfer-eng.pdf

yes, i do question them about this also,
but they said if the promo is for all, then it will be published on the UOB promo page.

I remember UOB BT has the website for BT. Anyone can share the link?
Maybe i can try to apply for UOB BT as well

few posts above yours

http://www1.uob.com.my/btesub/

I did receive phone call from UOB telemarketer about this promo but i will need to provide CC numbers to them on phone, which is why i'm hesitant to apply for it.

Nope.

I've done 50k before no questions asked .
This round did a 100k . They asked source of fund.

I never use excuses. Just tell them the truth.
Told them another bank want give me free use of money, so I just took the offer.

MBB, OCBC, Alliance Bank

Hi All, anyone received sms that BT MB from HLB, AmBank etc. and gets 0.5% cash rebate?