The cs only mention if want to transfer to other bank account. I didn't ask if transfer to Citibank saving account. I don't have Citibank saving account because there was no Citibank branch at my area.

apply bt from M2U doesnt ask for statement
12 months installment is fixed amount, but that installment amount is considered a retail charge in your CC, so you are still bound to the overall CC T&C.

// The balance transfer amount is treated as a retail transaction. In accordance to the Card Agreement, if the instalment amount (together with all the specified interest/management fee/finance charge/fee chargeable herein) is not paid in full on the payment due date, the prevailing card interest/management fee rate/fee/finance charge or such rate as prescribed by the Bank from time to time at the Bank’s absolute discretion will be chargeable on the outstanding amount (together with all the specified interest/finance charge/fee/management charge/fee chargeable herein) remaining unpaid on the due date from the posting date until the full payment is credited into the Cardmember’s account. //

of course you can. this is the normal BT, unlike HSBC's.

Yes, it's approved instantly, much faster than Maybank.
But still loving both MBB and HLB BT.

Luckily I managed to squeeze in for their BT to CASA but that's for 3 months installment only.

Well, now just BT to MBB and transfer to CASA.

The HLB BT 12-month ends today 22-March-2017.

That's fast. I think less than two weeks after they revised it? Now ending pulak.

There is still as of today.

Because you do not have minimum RM 15k CL balance left.

Not only today, it already revised since two weeks ago. It requires minimum 15k CL balance now because minimum BT amount is 15k.

Not only today, it already revised since two weeks ago. It requires minimum 15k CL balance now because minimum BT amount is 15k.

Minimum amount for BT = 15k so your limit must be at least 10% more, assuming they let you go to 90%

Well, nothing happens to mine.
Truth be told, I never BT to my VS because it has AF. Later cannot cancel card.
Min 15k CL available.

My CL is 25k if I'm not mistaken, but I only have 13k CL left, so can't do much.

to secure 0% BT from HLB, u need at least 16.5K CL.
but some bank clients who are "good to bank" customers may hit 95% CL and above for BT.

No issue, can spend like normal without any financial charges so long you pay statement balance on time.

Go apply 1 time at BNM, for eCCRISS
https://eccris.bnm.gov.my/eccris/pages/sec/login.xhtml#!

Just like EPF online, 1 time pain, all time gain - every month can get updated CCRISS easily

Illegal parking in front bus stop, or just take grab.

Received HLB app push in notification today regarding the 6 months 0% BT. So, it should be there.