I did heheh
Called, they checked, called me back - confirmed that the BT has no "pool limit" + ends on 31st March
I stated again - HLB CONNECT online ya, response = ya

Then i offered to send them a screenshot of today's page showing 4th March 2018 ending & did so, to their HLBB (hlonline@hlbb.hongleong.com.my)

Anyway, i was asked to put in my BT request before 4th March, just in case heheh.. farnee. Running program cam ni pun Kelang kabut (online vs official) And, yes - being pessimistically optimistic, i whacked another chunk first (baru je). kiasu-ism in me

Free munnee to put into FD or investments, must kiasu a bit lor heheh <fist bumps U>

er.. the old / traditional way - i had the cash to pay off my spending but just do BT and put the cash to other usage
i've no idea how to cash out "for sure"

Just to share / as an update:
1. HLB now says it'll take 7-9 working days to "transfer" from HLB Credit Card a/c to relevant HLB BT a/c. Previously was 4 working days - thus, watch out for those who pays into HLB CC --> HLB BT accounts.

2. HLB online BT can get total more than $49.9K - i accidentally did it as i just "aimed at lower than available credit without checking total BT owed".
Ooops but yeah, proven can

er.. heheh i applied more than 2 BT under the 0% promo via online
the last one was done in haste due to HLB's Connect online showing "Until Mar 4th" promo last day, thus didn't calculate properly.. just took 20% less than max possible. Thus, accidentally hit more than $49.9K

I've another "manual BT" 3 months 0% still outstanding which i did not account to the above yet

HLB's Visa Infinite has no fees & no minimum usage/"swipe per year" requirements

i suspect it's a system thing they are unsure/worried about.
hard for them to English-ize over phone

eg.
1. now -10K in your Visa owed, +10K in your BT owed, & your CL usable is $20K
2. they "manually" take out from your Visa -10K
3. they "manually" put into your BT

The moment (2.) happens, to their system, U have now LESS 10K usable credit
UNTIL
they execute (3.)

Thus, if U suddenly spend $20K thinking U had the CL (as at (1.)), ngek.. koyak lor
ya ya - low probability but systems/process thinking, it's still a possibility so happens, ngam ngam some autodebits + U charge stuff

BTW, they told me the same thing AND WORSE coz i've several autodebits
.. and yes, maxed out nearly, went way past $49.9K accidentally
that's why i hate sudden changes/last minutes - my planned execution goes nuts

i put in mine at noon or so,
about 5:45pm SMS received saying approved.

Thus, ok ar - MBB BT online.

er.. another HLB card doesn't help unless it's a separate credit limit.
my HLB cards all shared credit limit

PBB BT pay --> HLB BT accounts: Do it DIRECTLY
ie. in PBB's BT form, write the HLB BT account numbers

i just did it this week Mon, paid on Thu for 4 of my HLB a/cs
yup, 4 (only)

nah, just rushing to BT coz suddenly saw Mar 4th ends instead of 31st Mar, then changed back to 31st.. urgh
Thus, small sums here/there nya

BTW, just to share - unsure right place or not & it's news to me (maybe i've been under a coconut too long):
IF U are rejected when applying for a credit card AND U've a good CCRIS payment record,
it may be caused by your existing credit cards' & unsecured loans' TOTAL UNSECURED credit limit.
ie. go get your eCCRISS and add up all banks' credit limit with 00 category.

eg. Apparently Alliance bank auto-rejects if one already has total >= 30 x monthly gross salary

Also.. it dawned on me why a few banks with kaka cards offers such high credit limit - to tie one down to them (ie. cannot apply with other banks ma)
yes yes.. i'm a bit slow

one of my HLB's CC expiry date

For my situation:
$ from BT or stretched repayment of credit cards can be dumped into your FLEXI mortgage
and
then, monthly taken out bit by bit.
Thus, U save the % - ie. U dont pay the bank the 4.5%pa interest. This is calculated daily.

Thus, U make $ by not paying that interest to the bank. Way higher returns than FD's 3.x% or money management funds

HLB Balance Transfer 12 months 0% usage update
I just did another round, min $15K BT was required
BUT
the $ not transferable to savings ac, as per what was shared last month+/- for the $15K required ie. there was no selection and the default was just to: credit card

luckily i "owe" other bank's credit card, "pre-pay" next month or two heheh (coz apparently HLB's offer ends 30th April)

yeah, it says "online special" or "offer only" for the 12mths 0%
U have to be signed into http://hongleongconnect.my then click on the ad
OR
go to APPLY >> BALANCE TRANSFER

Go apply 1 time at BNM, for eCCRISS
https://eccris.bnm.gov.my/eccris/pages/sec/login.xhtml#!

Just like EPF online, 1 time pain, all time gain - every month can get updated CCRISS easily

ya, that is EVERY TIME via email, U need to fill in form, attach this/that, wait for a week or so, get email & call BNM

i now just login every month on 17th/18th (assuming CCRISS updated 15th/16th by banks for credit cards & stuff) to check any weird application or misreporting by banks on my loans.

so much smoother right?
any time (no lag time) right?

whoa - when i did it, no Youtube. Sekarang ada:
https://www.youtube.com/watch?v=nkjCcAG0A4M&app=desktop

Kelana Jaya LRT line reaches near - walk 5-10mins can reach

Yup, Masjid Jamek - short walk only, about 1km or less coz can cut through traffic / under bridge on foot