I will believe those experienced reporters who had done their HL BT instead of CS haha

You can leave outstanding as low as possible then pay on expired date, even get charge, a small money from you only.

Yes, me too. I just double confirm with the CS, and he say must pay today (today is the expire date), not tomorrow.
I have made the payment. See what will happen tomorrow.

For BT to PB card, is it each card need to be minimum RM2000 or total is minimum RM2000? I don't need any statement as supporting document right if I were to email?

Each bank's total is rm2000.

Can you share your update of your situation of fully settled your HLB BT on expiry date instead of a day after expiry date?
TQVM

yesterday online bt m2u

received email approved in principle

today received sms money transfered to SCB

lol,fast and efficient.

jus waiver slow haha

sorry to butt in - just sharing

same info from Cust Service - last payment should be on expiry day
mine was last Sun
i paid via Instant Bank Transfer (MBB, Citi's doesnt work dunno why)

after that, Mon the HLB's BL account went missing from my online accounts, ie. closed and "game over".


PB's BT:
1. Minimum $2K
eg
a. if U have 1 or more credit cards from MBB, totalling >=$2K, no problem for transfer to that 1 bank
b. if U have 1 or more credit cards from X bank, totalling <$2K, cannot transfer to that 1 bank
c. i have 2 cards with MBB totalling $7k
+3 cards with CIMB totalling $1.9K
+1 cards with Ambank $3K,
thus, i can only BT for MBB $7K and Ambank for $3K

2. They've a form to fill up - download it, print out, fill in, sign, scan & email JUST THE FORM (no other docs)
As fast as MBB online!
i did on 13th morning (emailed), 15th PB already paid my other credit cards.

Hope the above helps clarify / is useful

This post has been edited by wongmunkeong: Nov 17 2017, 11:21 AM

double posted - deleted

This post has been edited by wongmunkeong: Nov 17 2017, 11:20 AM

Share my experience to deal with HLB BT without Penalty

20 Apr, BT 6K to my SA - picture BT1
15 May, make 1st payment, 320 - picture BT2
15 Jun, make 2nd payment, 290 - picture BT3
27 Jul, make 3rd payment. 270 - picture BT4
15 Aug, make 4th payment 260 - picture BT5, with reminder "special interest rate expires on 13 Oct 2017"
17 Sep &　9 Oct make payment 250 & 4500 - picture BT6
14 Oct make settlement 111, extra paid RM1 - picture BT7

Latest statement on 14 Nov 2017.......no penalty.

For forumers who settle your BT on the "special rate expire date", u will/may need to pay early settlement fee RM70.




Attached thumbnail(s)

thank you for sharing the chronological details

Thanks. Just got my HLB BT approve, 3 months 0% interest.

No issue. The BT account automatically disappear after the expiry date.

How about if I plan to transfer all to Maybank card but I have like 3 card
Card A - RM1500
Card B - RM2500
Card C - RM1000

Will approve all 3 or only to Card B? If they don't need statement I don't mind mention just Card B RM5000, then once transfer call to Maybank to transfer it to other CC.

Your example = 3 credit cards from same bank's credit cards?
Yes, PB will approve ALL 3 as long as total >=$2K

Whether U over pay 1 card, then call MBB to transfer to the others, doesnt matter kua.
I usually transfer using rounded up to last $.

This post has been edited by wongmunkeong: Nov 17 2017, 05:19 PM

Thanks for the superb effort in putting the steps in detail

maybank always reject my BT

The HLB 0% bt for 6 months still can apply again after expired?
How to check the date of expiry ?

Need to upload any documents?

No. Only key in credit card number and amount.

Assuming U tried online application for MBB's BT, have U tried calling Cust Service and ask how much U can apply for first, BEFORE applying online?
There are calculations involved on how much U can BT.

Reapply: Thus far, HLB called and offered me for ONLY 3 months.. there are no online / card holder application that i noticed
Expiry date: My statement for the special HLB's BT account has it

No options to upload any docs for MBB's BT application online and they never requested - i've done like.. er.. 6 to 8 now