All this while I only transfer within the same bank's accounts like from creditcard(CC) to savings. Never new can transfer from CC directly to other bank's account.

The only one I tried was HLB to MBB, and they didn't ask for anything jus account number. Simple phone call and no charges. I was super surprised!

u meant u BT to MBB, n the excess funds in HL CC was transfer back to MBB saving acc?

No.. This one was PBB (or AEON) BT. Excess HL to MBB. About 5 weeks ago.

Second time was MBB BT, but I opened a HLB account just before that.

Then I will do a 10k PBB BT from HLB, excess fund of 9k will credit to HL Mach moneybox n then IBG to MBB for GIA-i. Monthly uplifting GIA-i for BT monthly payment.

This post has been edited by MGM: Sep 29 2016, 02:13 AM

Sounds like a good strategy.

Just a little word of caution (although you probably don't need it). Before I do all these transfers to CASA, I always think of back up plan just in case bank suddenly doesn't allow and money gets stuck in the CC.

For me, I'm not sure worried about money being stuck in PBB VS because monthly expenditure on all my PBB principal plus supp will definitely be RM10k plus (within this, got monthly BT instalment of 6k). So worst case scenario is one month of excess credit.

For HLB, I have Wise and Fortune CC which will usually hit 6k per month. Again, money won't be stuck long.

I don't dare to transfer to cards like Citibank or UOB where I spend less than 1K and hardly use. Then will really have headache if money stuck there.

The above is just for precaution... But in all my cases with PBB, HLB and MBA, never had an issue. I've tried several times with each of those named banks.

sorry guys... im a bit stupid. just to make things clear.
first apply BT at ambank to HLB credit card. Ambank will then pay HLB CC account the amount.
second, transfer the amount in HLB CC account to any other account e.g. saving account at MBB via IGB.
third, get the cash at saving account and pay the monthly installment BT at ambank.

am i correct? for sure i understand the risk. i just wanna confirm the whole process that you guys mentioned.

thanks.

Money wont get stuck in CC, at worst they will still allow u to transfer to d same bank's account.

Question: before the current limited promotion on lounge entries, what were the conditions on entries?...i know need to swipe 3 times before or after....but are the entries limited?....

Unlimited for WMC and VI, just needed condition previously and now no longer needed.
It used to be unlimited for VS and Plat as well when condition was applied, now reduced to 5x and 2x without condition.

Yes, correct. And its not a stupid question

Yepp, I know that they're OK transferring to same bank, but for those where I don't have CASA (e.g. Citi and UOB), very risky. The last resort is of course to cancel card, then they probably have to refund you.

if it were unlimited for all their cards subject to the same swiping conditions, then how do they differentiate the different cards?...

Well, that was not their concern at all.

just received the B1F1 VIP key. They re-sent the same letter, but this time with the additional card that has the 9 characters VIP code. Not sure if everyone will be given the same VIP key, but here's mine, in case you want to try.

AM24FEAFC

why not?....if the perks are the same for all the cards, nobody will bother with wmc/vi....just take the platinium loh...

anyway, they obviously felt the need to differentiate....hence the restricted access for the vs and platinium...

OK, I will try later.

Well, put it this way, during that time PPL was not their selling point.
WMC and VI have higher points rewards. That's to differentiate with VS or Plat.
Moreover, that time nobody is really attracted with the condition 3 swipes. I bet not many people used it anyway.

ah...that's why i asked what's it like in the past before the promotion...yes, under the old rules, i don't think i will bother as well....although if traveling without a tour group, in some countries like oz, it's not difficult to swipe 3 times....rent car and pump petrol 2 times kao tim already.....

You were asking previously if the entries were limited since you already knew about the 3 swipes, I told you unlimited what. Basically already answered your question earlier.

This post has been edited by fruitie: Sep 30 2016, 12:17 AM

they sent the letter to you twice and don't bother to send me any

did they cancel the promotion? I cant find the promo page now T_T