eh? U stated HLB's online BT is the same as HLB's manual/call BT in terms of paying monthly only 5% and NOT equal payments monthly, then last payment one lump sum to be paid back
VS
normal BTs from MBB & PB is equal payment monthly or else interest charged.

Thus, based on the above, i can guess why HLB limited the online BT to $49.9K per person
VS
the usual BTs from banks which is 80% of credit available, ie. based on one's credit limit available.

IMHO, dollar for dollar, even though lower BT offered, HLB's still worthwhile coz if we pay less per month, we still get to use the difference for investments, biz, FD, etc mar

May I know u applied which bank's BT to pay HLB BT account and why failed?

Recently applied for Aeon BT

2/4 - Submitted application via email, after 10 min received acknowledge email.
4/4 - Received verification call from CS - 10.18am
4/4 - Aproval SMS received - 3.57pm
4/4 - First month of BT has charged, can be view via Aeon online banking
5/4 - Fund has reflected in related Bank credit card account.

Quite impressed and sufficient within 3 working days 

this post have my answer....mine juz approved and received sms yesterday(friday) hope it can reflect in my mbb b4 due date

M2U no longer displays the link about the 0% BT fee offer at the plan selection screen.

thanks for the update.
it ended after 2 months plus 

Really thank god.
I made my BT three days ago.

Leave some remaining and clear all on 03rd Jan, not 04th.

Yes, pay on expiry date. Been there, done that, no issue.
Nothing confusing, pretty straight forward.. Just pay on expiry date?

Normal statement due date, you still need to pay according to statement, at least minimum payment if it's BT. Balance pay on expiry date.
HLB cannot pay later than due date (for normal statement balance), you will be charged with interest. I just got it last month, no joke.

For e.g., total outstanding is RM 1000, minimum payment is RM 50 due today. Pay that RM 50 today, your obligation to pay according to statement still remains.
Expiry date is 3rd Jan, then pay RM 950 on 3rd Jan.

I hope I don't confuse you.

Pay minimum on statement date and remaining balance on 03rd Sept.

Yes and yes

if you don't mind, please update the result of application. thank you.

Yes. Additionally, if you have communicated with one of their salespersons before, you can also email to them directly, they'll give you a callback. Can korek korek old email.

Hopefuly this helps you.