u roughly need about 6-7k to float for card spending.

remaining 13k for hospital fee lor.

hospitals are quite flexi, they can accept multi-cards, as long as can pay the bill.

when i pay for Nirvana Memorial and hospital, i used about 4-5 cards just to maximize each card's cb/bt/epp vs available Credit Limit

use this https://www.affinonline.com/credit_card_increase_limit to request CL increase

yes, and you should read thoroughly the T&C

100% Happiness, 0% Instalment with EzyPay Plus [ Maybank | T&Cs | FAQs ]
Campaign Period: 15 July - 31 August 2021

Convert any purchases of minimum RM1,000 into affordable 0% p.a. monthly instalment for 12 months.

Login to Maybank2u or M2U MY App to convert before your credit card statement date!

How to convert purchases with EzyPay Plus



Campaign Mechanic
This campaign is applicable for Principal Credit Card members of Maybank and Maybank Islamic.

EzyPay Plus is not applicable to the following type of transactions:
Cash advance;
Instalment amount payable under other programmes of MBB/MIB as Balance Transfer, EzyPay Scheme, Cash Treats, Cash Advance, and this EzyPay Plus;
Annual fees;
Carry forward balances;
Any other charges as provided in the Maybank Card Agreement; and
Any transaction made by supplementary cardmembers

EzyPay Plus conversion eligibility:
EzyPay Plus is applicable to transaction(s) which has been billed to the Cardmember’s Credit Card/Credit Card-i account but not posted in the statement forming part of the outstanding current balance due.
The purchase MUST NOT pass its payment due date at the point of conversion.
In the event, transaction which is done on the campaign end date but posted after the campaign end date is not eligible for conversion under this campaign offer.

no fees

https://www.affinonline.com/AFFINONLINE/med...an2021)_ENG.pdf

UOB: Revision of Flexi Credit Plan & Balance Transfer Terms and Conditions

For Balance Transfer Reducing Balance approved from 25 September 2021 onwards: ENG

For Fixed-Pay Balance Transfer approved from 25 September 2021 onwards: ENG

For Flexi Credit Plan approved from 25 September 2021 onwards: ENG

only if

1) bank B doesnt require card statement from bank A

2) card from bank B has enough credit limit available

try this https://www.affinonline.com/btip

affin staff would contact you

Ambank BT = Ambank pay to Maybank, not receiving money

ambank BT > maybank = payment only, it has nothing to do with card cancellation

card cancellation can only be initiated by the cardholder, this is between you and maybank.

lock you down with ambank

hope you lapse your payments and incur high interest

BT is a double-edged feature. it can maximized with gain or adding more debt

well it's a card feature

as long as your cashflow is healthy and manage the card repayment diligently, you dont lose a cent to ambank. in fact, BT helps you on the cashflow by extending it to x-months repayment period.

serious BT players can do this BT "musical chair" many times.

Best Balance Transfer at 0% for 6 month with PB Credit Cards [ PBB | Form & T&Cs ]

BT is not recommended for urgent/last minute use.

unlikely to be on same day

1) need processing, verification by bank
2) once approved, they need to initiate fund transfer

2 days is considered fast already, but expect longer. dont expect/pray ngamngam2 days to receive money.

normal Comment function would do

or use DocHub https://dochub.com/

did you see the PB BT poster image?

no statement needed, right?

so, you can put any amount you want, up to the T&C

quiz: does it appear in your statement?

it doesnt matter what transactions as long as it affect the (previous) statement balance amount

0% Balance Transfer for New-to-Bank Cardmembers [ PBB | T&Cs ]

pib mastercard = bt https://www.publicislamicbank.com.my/Person...Card-Credit-Car

pib visa = flexipay https://www.publicislamicbank.com.my/Person...a-Credit-Card-i