recently try to add more credit card for the purpose of "credit" then do more "bt" and i was told that Standard Chartered Bank need us to have at least 8k salary else they wont even help us to submit as this is their minimum requirement. I always thought 2k basic and 24k annual salary is all it takes then you have higher salary they give you higher limit.. that is like my math on credit card... anyone has any idea, is this a standard charted rules or is BNM trying to put some control in place so ppl with low salary will not get credit card?

Do you think other bank will follow? If yes I going to apply as much as I can and keep paying rm25 per year at least I have some credit that I can use then do BT..
I mostly hold only card that is eligible for BT like HLB, MBB, PBB, UOB, Affin..

I am looking to add on like SCB, CIMB, Ambank, HSBC, ABB and many more la... But kena SCB already got shocked say need 8k

they create a special BT account

this bt account behavior doesnt work like CC account

MBB this year very rare on BT , lol ...

Belum muncul 0% 12m after Raya XD

So far only the amount of the 1st BT application appeared in m2u, but i am surprised by a cash advance fee of rm3.

ooo nice. will use Maybank once i  max out my Affin limits.

does it mean it is like a housing loan or car loan or personal loan in CCRISS?

Called CS, confirmed 1 BT per day, and the RM3 fee will be reversed after rectified.
Resubmitted BT.

Alamak forgot to ask that, when it is reversed will let u know. Then can check.

https://www.rhbgroup.com/btonline/index.htm...CCApplyandSpend

RHB 0% 12 months installment BT min RM 1k max 80% of available limit

Month of July 2025 only

BT has almost nothing to do with credit score right? As long as you have sufficient limit, then it will be approved. Doubt bank will go through that stringent process, in fact I think most BT process nowadays can be automated

Wah I think this is new? Last time I checked don't have this promo.

just noticed, mbb ezypayplus also 0% for 6 months

For Affin bank, can we have multiple BT running at the same time or have to wait 12 months for one to finish then only apply another?

It's an error or standard every BT will get charged RM3 cash adv fees?

got "point".
u can swipe amex get 5x "points" then pay it 6x