DarReNz thanks for informing
I just applied another MBB BT online at 6 pm, and receive sms approval at 6.04 pm ! This is really superb BT processing that this bank has! Really impressed!

I also just applied a few K of BT to MBB. Should be able to get waiver as this is still 'early' hopefully

6 months, and available to selective customers who receive sms from HLB

Ah, that's great that they extend to others that did not receive any sms.

Just did mine with HL CS. Yes, last date revised to 11/5 which was earlier supposed to be June.

You do not need to give reasons to request for CL increase.
You have to fill up a form, together with income documente and epf statements. Fax or submit to branch.
I submitted to branch and my CL was increased in 3 working days although they told me the SLA is 21 working days.

I am existing card holder and i was offered this BT which can be transferred to my Savings acc. The CS say this is another type of BT (she did not use the name BT Plus). Applied and funds was transferred to my savings within 3 working days as well.
Oh by the way, she told me, this is applicable to amount > rm15K. If less than that, cannot transfer to savings.

I ask them too , over phone with CS and at branch. They are quite strict and no short cut. They dont even entertain email request . :|

May i know you applied using your islamic or conventional card?

I applied on Tues using my islamic card. Till now also no news on approval / rejection.

Welcome bro.
I strongly suggest you read the thread to get all the info you will need. It's kind of hard to tell you as there are so many info from different contributors .

Why you want to pay off your 0% interest free aeon installment, to get a birthday gift of 4.99% pa BT ?

Quota depleting soon , likely
Since no announcement on their website , i'll apply another one today. I feel it's like 50/50 chance now though

Sorry just saw this. Aeon not 0% interest? Then bettet ask if settle early will get any benefit. 1.55% is really high and i believe is fixed interest too. If aeon 1.5% per month installment can be clearer early to save interest paid, then yes you can check out the 0% BT to settle it. All the best bro

Bro, i have an idea for you. BT the estimate expenditure amount now rather than wait till your trip.

You may even break into 2 part:
1) confirm spending - do it now and hope waiver is still on (like i say, i feel it's 50/50 chance)
2) not confirm spending - do it after trip, if the waiver still on.

I just did 1 yesterday night and gotten success confirmation within 10 mins (to be exact is 6 mins)
I just hope once it is depleted, they will put a notice to their website to inform public asap.

This post has been edited by justanovice: Jun 17 2017, 09:45 AM

Agree. In fact which bank allows transfer of excess, is not really related to BT.
The bank policy can also change overnight and it's not fair for TS to keep track of this too.

Anyone can share rhb card contact no? Dont have rhb cards yet but will apply if there is 0% bt. Thanks

Thank you but usually no behind credit cards have specific card centre to call.
Thanks for your reply though although it did not help

Good info. Thanks

Rhb 0% 6 month BT was from Mar to May 2017, currently extended to end of June (may be extended further)
Up to 80% of CL.
There's RHB promo at MV now, apply new card and spend rm3000 will get rm228 cashback. With t&c.

Yea, weird. They actually have official fliers & brochures, but not published online

You must be lookong young. Positive.
And i am very thick face uncle. Alwiz go and ask what they can offer me. They sometimes have special items that is not openly displayed.

She'll probably get commission for new card applicant, but BT and all doesnt fall to her branch. It's a card facility and doesnt impact her even if you leech it.

This post has been edited by justanovice: Jun 27 2017, 05:31 PM

To be honest, the very important key is - how much is your friend earning per annum, whether he can apply for new cards to do BT etc depends on that.
Since your friend did not miss any payment, should not fall into bad credit score that much.
For example, some of us here have so much balance in credit card account (due to BT) but with prompt payments and adequate income, there's no problem applying for new cards.
Anyhow no harm trying since not much damage compare to currrnt situation.
So, good choice for BT would be 0% ambank, pbb, aeon. But application is super strict and stingy credit limit
Now ambank also have 0% bt for 1 year. Which may suit your friend. Ambank have generous CL, hopefully easier to get approval too.
So i suggest your friend to try ambank first.
Note: applying too many will kind of leave an 'enquiry' to the credit report. So i suggest to prioritize your friend's application to the banks that are easier to get, ie in my opinion ambank > aeon > pbb.
In fact i would not try aeon & pbb if ambank fails. Might scout for other banks first even though may not have 0% bt.

Yes, here it is.
https://www.ambank.com.my/eng/deals-page/Ge...ewPrincipalCard

1. Link as above.
2. If u ask me, do BT if possible to spend less on interested. If get 0% then it's best.
Stop using & pay off - this is very subjective. To make it simple, stop using it. For more technical users, maybe different story but well, get your friend to dig himself out of the hole first. This is so vital for his future.


Yep, BT 0% up to 30K or 80% CL, and free gift somemore. Happy.