There was 2 type of package, Last time the package i took was 0.5% per month on on reducing balance, outstanding balance will appear and charge to credit card once the amount transferred into saving, just need to pay 5% min payment. Early settlement charge RM100

Another package was 6.99% , 1 time charge. BT amount charge to credit card, just need to pay 5% min payment monthly until forever. No early settlement charge

Just tell the CS, u wanna transfer to saving will do

Based on my personal experience, my credit limit got ridiculously much higher in recent years. I got my first CC in 2010, and I was used to seeing credit limits of 10k to 20k approx. For the first 2 years, my credit limit was always X times my monthly basic salary.

Once I started qualifying for Visa Signature cards and above and applying for lots of cards (I currently have multiple cards with SCB, PBB, MBB, HLB, AMBank, RHB, CIMB, AEON, Citibank and HSBC), then the credit limits started going beyond 50k and into 100k plus. I really don't spend much on each card, and only use them for promos, balance transfers and cashback etc. I'm also one of those people who cancel and reapply very frequently to avoid annual fees and qualify for "new customer" sign-up promos (especially SCB, CIMB and Citibank).

Again, no idea how they calculate, but I assure you that my income and usage are no way near the credit limits given to me!

People have reported that it affects credit score, because it is effectively a loan, and hence reduces your disposable income.

However, there are many factors which contribute to credit score, and this is just one. Credit scores are like medical reports - very subjective and depending on individual circumstances. Based on MY personal experience, I was easily approved for two 7 figure mortgages while heavily maximising BT on 3 credit cards (PBB, Aeon and MBB). I have also never been rejected for any credit card, and currently hold 14 principal credit cards with high CL. Based on this, I believe that there are other factors which contributed to my overall good credit score.

If you have had problems in the past with getting loans or credit cards, I suggest you stay clear from BT. However if you have never been rejected for cards and also have been awarded very high credit limits, then it may be safer. Also, ask your banker to do a pre assessment (based on your income and financial commitments). They will be able to tell you if it's likely to affect you. Ultimately it depends on their assessment and the amounts involved

If you settle your BT (0% special rate） after special rate expires and before the due date......u will be charged interest.

So u must remember the Bt account special rate expiry date (can find it from the statement)

RHB BT 0% 12mths
26/1 - 9.30 a.m. - apply
26/1 - 11.00 a.m. - approved sms
26/1 - 7.30 p.m. - Cash in MBB CC acc
27/1 - 12.00 p.m. - Call MBB CS request trf to CASA
2/2 - 7.30 p.m. - Cash in CASA (4 working days)

easy to find out the answer.

1) click the link that you quoted.
2) scroll down the page, you'll see the T&C
3) open the T&C, and read point #1 at page 2.

what is your current available CL?

That's strange. So you only saw 6.99%?

Hi, did you manage to do 0% BT now?

I'm planning to transfer 3k into my MACH to have balance around 17k to transfer out 15k into my CASA.

I thought 18k is already enough to do BT?

Lah.. That time you said you have 20k CL and available CL is 18k. But I think it only allows max 90%.

I will prefer to pay PTPTN with Quantum and opt for 0% flexipay. If you were to use your savings to pay, after paying it off your big chunk of savings just gone.
Just make sure you service the installment diligently and your CL is enough to be blocked for this payment.

i just email ask for 0% BT offer, then get contacted with the offer.
you may try email rhb.

I got a contact from someone here and I am entitled for RHB 0% BT. Maximized it to the max. Yesterday was my statement date and I asked the officer to put in the application only today and she did it. So, I have some extra days to make payment.

I was told the promotion is until 30th June only.