QUOTE(triple c @ Sep 30 2016, 01:40 PM)
no email confirmation...all thru phone only...
thought earning some interest fd...but stucked

Oh man, now I see your problem. Because AMB don't even have an application form to indicate total BT sum, so there's actually no way of proving to MBB.
Usually my transaction from MBB CC to SA for less than RM10k are approved without documentation. Above RM10k, show BT application form and written e-mail.
OK. In this situation, I would not give up and I would try my best to get the money back. My suggestion:
1. E-mail mbb CS a proper e-mail explaining the situation saying you inadvertently BT too much from AMB to MBB of XX amount.
2. Explain that AMB BT was applied for and auto approved on the phone, and that the 1st instalment is shown in your unbilled transaction list (attach this). Do a calculation saying that 12 month instalment x 1st instalment = RMXX (i.e. the total BT amount). For completeness, attach any AMB written document which shows the 0% BT promo (i.e. 12 months?).
3. Then end with, I trust that this is sufficient for MBB to transfer the excess funds to your SA.
Just be as factual and detailed as possible. Ultimately, the transfer request is at the discretion of the bank. If they are satisfied with your explanation and documents, anything is possible.
This post has been edited by lilsunflower: Sep 30 2016, 02:00 PM