should be as above.

This post has been edited by cybpsych: Oct 21 2017, 03:09 PM

Only for cardholder received SMS ?

Don't know about email.
BT done via M2U ...instant approval in principle. 30 -90 mins formal approval vis sms n email.money in 1- 3 days from approval

I called CS re same Q. After conversation. ..i m still confused. I will not risk it...will pay using approval date which is earlier date.

I'm intend to apply for BT via M2U for my Aeon Big Visa CC. Just wondering is it possible to apply before the latest statement comes out?

For example, my statement date is 1st Nov, but my current usage recorded currently is RM2k, can I apply BT for RM2k now?

hi, wanna ask about maybank bt
12 months repayment is fix amount or can pay min 5% without interest/penalty
then at the month 12th again bt to another bank?

apply bt from M2U doesnt ask for statement


12 months installment is fixed amount, but that installment amount is considered a retail charge in your CC, so you are still bound to the overall CC T&C.

// The balance transfer amount is treated as a retail transaction. In accordance to the Card Agreement, if the instalment amount (together with all the specified interest/management fee/finance charge/fee chargeable herein) is not paid in full on the payment due date, the prevailing card interest/management fee rate/fee/finance charge or such rate as prescribed by the Bank from time to time at the Bank’s absolute discretion will be chargeable on the outstanding amount (together with all the specified interest/finance charge/fee/management charge/fee chargeable herein) remaining unpaid on the due date from the posting date until the full payment is credited into the Cardmember’s account. //

This post has been edited by cybpsych: Oct 22 2017, 07:46 PM

dont know why maybank always reject my BT..so sad

Ok thanks.
Will pay as what will be posted in the statement and just IBFT on the same date.

after bt can I still use the card?
i know hsbc cannot use else will kene interest

of course you can. this is the normal BT, unlike HSBC's.

any penalty for early settlement?

you should read the T&C and FAQ for MBB BT Promo.

u can find all the details in T&C...

want to ask ,

Lets say i sign up NEW CARD to enjoy the 0% BT .....
Once the BT completed , and there IS NO MORE 0% BT promo,

do u guys still keep the card ?
OR
CUT IT ?

personally i think cut it, but want to listen to the expert opinions. Thank you

that depends.

you purposely signup ANY NEW card just for 0% BT? if this is the case, no point keeping.

smart ones would apply NEW card with BENEFITS that offers 0% BT as well! this way, you can enjoy 0% BT while still getting benefits (e.g. PPL or cashback) for keeping/using the card, while or after BT ended.

I just found out,
MANY BANKS offer 0% BT for new customer,
but this offer only 1 time, after the 0%BT ended , new BT got interest apply.


With this, for BT hunters, need to constantly cut OLD cards+ wait 6 months to qualify as new customers !

Any good advice to continue enjoy 0% BT ? Thanks

Keep those card always got 0% BT for existing customer.
Eg : Aeon / PBB / MBB (as I know)

Strongly recommended.

I just accepted UOB BT 1 time offer.

Was told by PB CS that they no longer accept BT for Islamic card, meaning if you hold their Islamic card, they won't approve the BT you applied. So sad, that's the only card I have with PB thus far, no 0% BT for me ...😢

Thanks !

Keeping MBB/PBB/AEON for the forever 0%BT .

Then, another question pop up my mind,

Lets say each banks above, u keep ONE CARD each with 20K CL .
total BT can play with = RM60K .....

In order to increase the CL,
can we increase the number of cards?
Eg , apply another 1--2 cards are MBB , etc ?


Another questions i still confuse,
some expert mentioned they do revolving BT with these 3 banks, so they dun have to fork out any $.
But lets say u do RM12K each for 6 months , installment RM2K/month
Month1 , MBB owe RM12K
Month2 , PBB owe RM12k , RM2K go to MBB
Month3, AEON owe RM12K, RM2K go to MBB //RM2K go to PBB
Month4, No more banks, but still need to pay RM2K for each MBB/PBB/AEON ????? I'm lost at month4 onwards .....
could any expert advise ???