Noted on that HLB part.

I believe HLB is getting more strict already.

Politely means still doable

Can UOB cash out to CASA? I dun think you have an account with them which is why you opt to refund the balance to MBB to cash out instead?

Email is a good option.

3 days can settle. And no 3% upfront.

IIRC, it's primary to primary for MBB's case.

BT 12k for example.

6 month no interest. Balance left 6k

6k * 0.3% + ( Your usage for the month *0.3%) = Your answer.

I assume there's no separate BT account to be created, thus your usage would be slapped with interest like HSBC's BT.

They will send another SMS to confirmed that the BT is approved.

Why need to BT 2 years?

Do multiple BT la.

12k outstanding.

BT 12k to MBB for 12 months 0%

Every month pay 1k.

BT 1k for 6 months 0% (HLB/PBB/Aeon)

End up also pay less than the BSN.

Yeap, have to be holding many many many credit cards

It gets tiring when you are doing multiple BT when the sum are big.

Betol. Nothing wrong with doing that at all....

Credit limit =/= BT limit.

Sometimes you only can go up to 80% of your CL.

Try to contact MBB and ask why it is rejected?

This post has been edited by chiahau: May 9 2017, 10:52 AM

I faced this scenario once.

My Islamic limit was about 10k. I had a BT from last time yet to clear, around 1k+

When I called the CS, they told me I can BT up to 9,000 ringgit.

As expected, when I put 9,000, It was rejected.

Lowered it to 7,500 and was approved.

Time to use FB and scold them. Their staff from HQ more "efficient".

Depends on your salary

High salary like some experts in this thread? Super easy to get lor

Some cards got AF but easily waived. Sometimes have to get the hassle just to enjoy some perks lor.

Most of the time, I will pay the AF if I am heavily utilizing the card.

An example would be Citibank. Their dining promotions in hotels are unparalleled to cards except for Maybank 2 Premier / Infinite level cards.

Paying 100+ is acceptable since I would've gotten at least few thousand in price reduction for the final price of the meal.

Once they remove those perks, I will then consider not to bother with the AF anymore

This is a BT thread anyways.

For cards with 0 AF and 0% BT -> PBB is the way to go.

What's your salary?

If you're making below 36k, you only can hold 2 cards.

And once you start missing payment, it's kinda hard to get another facility unless your salary is high.

Wrong post~

This post has been edited by chiahau: May 19 2017, 09:14 AM

Citibank allows yes.

I done it before for Citibank.

Above 10k but no questions asked

Maybank allows below 10k
UOB allows as well.

Public Bank and HLB can't refund d.

The last reply here indicated that PBB is rather reluctant to refund already.

We shall wait for more replies before finding out.

Nobody tried for RHB yet?

Can refund back to the originating source of BT?

RHB is a little lousy alright. I accepted that fact quite a while ago

Alright.

I will update the list then.

Thank you for the information

You may do so, yes.

Don't use the card during BT.

You'll get slapped with Finance Charges if you do so.

Other than that, I believe there are no issues.

Yeap, the troublesome thing bout this stupid BT promotion.

Thus, I opted not to go for it

MBB no issues.

Just use as you go.

They are very kind not to charge us

Got minimum one meh?



I think if you'd do above 1k for most banks, it's acceptable.