flexipay too

the (selected users) pbb 12mth 0% bt supposed to end on 31 Jan 2019.

probably it runs separately from the generic BT.

what is "this card"?

i know it's pbb cards.

why cancel? the cb cards quite flexible, albeit a bit low.

there are 2 flexipay programs:

1) generic flexipay applies to ALL PBB cards. the new revision is to this program.

2) Quantum has its own special 12mth 0% flexipay, which runs concurrently with the generic flexipay, depending on the form you used.

current generic flexipay (1 Jul - 31 Dec 2018) offers 6mth 0% with min RM1.5k.

quantum flexipay offers a special 12mth 0% with min RM1.2k.

of course u can.

try calling cs to add quantum. if cannot, apply via form as usual.

the one changed coming 2019 is 6mth

the promo, for selected users, ending 31 Jan 2019 was 12mth.

one of it

are you going to apply new card if that particular bank has 0% BT?

some that i see

pbb 12mth 0%
affin 6mth and 12mth 0% (6mth for existing customers >6mth tenure, 12mths for existing + new customers)
cimb 6mth 0% (new customers within 6mths tenure)
aeon 6mth 0%

This post has been edited by cybpsych: Jan 9 2019, 05:55 PM

already published in their website earlier

learn to use [search] function?

yes, pbb immediately dropped the 1st installment after approval.

the 2nd installment would be statement date + 1 day, so no heart attack getting 2 installments within 1 statement cycle.

yep, your bt installment dates as below:

posting date	transaction date	statement date
2 Jan	2 Jan	3 Jan
4 Jan	2 Jan	3 Feb
4 Feb	2 Jan	3 Mar
4 Mar	2 Jan	3 Apr
4 Apr	2 Jan	3 May
4 May	2 Jan	3 Jun
4 Jun	2 Jan	3 Jul
4 Jul	2 Jan	3 Aug
4 Aug	2 Jan	3 Sep

and so on

since u didn't say which bt type u referring....

for normal cc bt, the bt amount is temporary reserved (not visible) and until certain time the installment will be posted to your cc. early settlement is when u instruct bank to post all outstanding bt (reserved) installment to your cc.

for bt with special bt-specific account, payment into that bt account is considered payment for bt (cuz your retail cc spending is separated). u pay rm1k means u cleared the outstanding bt in that bt account.

PBB is normal bt.

but there is penalty fee for early settlement. read the t&c properly.

transaction posting and early settlement is 2 diff matter.

make it simple. pay full according to your statement balance by due date.

2 more

affin 6mth and 12mth 0% (6mth for existing customers >6mth tenure, 12mths for existing + new customers)
cimb 6mth 0% (new customers within 6mths tenure)