yes, its possible and i have done that with MBB.
To answer your question, it is ii) 15k x 80% = 12k.



bearbear it make sense to pro long the payment period with same amount of money, consider below scenario.

assuming zero outstanding, no new transaction, and allow 100% of available CL to be used for BT for ease of explanation.

MBB CC CL is 5k, and deposit 7k cash into it, so the available CL is now 12k (with 7k credit in the account).
If we BT 12k from other bank to MBB for 12 mths plan, effectively the monthly repayment is 1k, since we have 7k in credit, we do not need to pay single sen for 7 months.

Whereby had we BT 5k to MBB and paid the 7k cash to other CC, we will have to pay RM416.67 (5000 / 12) every month to MBB CC.

This post has been edited by lamode: Sep 22 2017, 11:01 AM

indirectly consider locked, because in above scenario, the available credit limit for spending is zero.

This post has been edited by lamode: Oct 3 2017, 07:22 PM

don't think got such limit.
perhaps you can find out and share.

that funds just reached your account?
if so, try it the next day on phone first, if fail again, try on pc.

do let us know how it goes

no. why don't you share the details here?

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

no.
it has been explained in details in this thread, suggest you spend time to read n find out.

thank you for sharing the chronological details

plenty shared their exp, just read few pages or search.

are u sure?

just one of the many example...
https://forum.lowyat.net/index.php?showtopi...&#entry85512085

yup, seems to be the case for now.
like what you said, it used to be pretty fast, but I did a BT last night, until now still haven't got the approve in principle email.

updated: just received SMS around 630PM saying STP request for BT appl is approved. but still no email though.

This post has been edited by lamode: Nov 30 2017, 06:37 PM

yes. always the case

clearly stated, please re-read with care

it will not lum sum into the installment, it should be separate transactions come within few days from approved date...
could it be mbb changed something?

could be lo.. just checked and found got the waviver for a BT done earlier of the mth.

happy new year everyone


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read the last few pages...

This post has been edited by lamode: Dec 27 2017, 07:55 AM

this has been discussed over and over. just read few pages back.
and it is definitely in the website.

This post has been edited by lamode: Jan 4 2018, 04:50 PM

thanks cybpsych for the good news, but still don't know applicable to me or not.


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yes, but refund to the source / CASA is entirely up to the Bank.

shouldn't be a problem. do it asap.