Yes, that way you get 20% off as well.
How I wish my outstanding is 6k or 4k, I will definitely clear it and use BT after that...
My outstanding is still RM 50+k.

OK. You still can swipe and BT. I did mine as well, swiped 6k earlier and also BT-ed with 0%.

Yes, make full use of 0% BT since it allows to use CC.

Yes. I also pay my monthly payment with AmEx.

Nope. Pay manually every month.
For PTPTN, cannot use credit cards for auto-debit.

This post has been edited by fruitie: Mar 19 2018, 10:14 AM

I still prefer flexibility, hence I didn't opt for auto-debit.

Savings account to be precise.

You pay the Ujrah and insurance in one lump sum every month right? That said the PTPTN officer told me before insurance can even pay one shot at the end of payment.

Portal can include insurance payment.

I'm more than happy to pay back and if it's scrapped off of course it's a better thing to me.

So I will continue paying with my credit card every month to earn cash back.

As much as I don't want to bring in political issue into this topic but I will rather give chance to a new change than being stagnant with what it is now.

Click on "Semakan Penyata Pinjaman", then click on "Penyata Baki". Your no. pinjaman is at the bottom of the page.

Yes, I was referring to the button. Typed too fast.

After overnight consideration, I'm considering to pay off my debt using EPF for 20% discount, I can save around RM 10.8k. Well, I'm not willing to be deducted with 15% every month.

I thought of this option too but my debt amount after discount is RM 42k. So, I have to split into few cards and BT into 12 months and 6 months.
I only have one 12 months option now.

Or else, I pay partially with EPF and BT the remaining. I will need to work on the budget.

I supposed you can pay accordingly and walk-in to nearest PTPTN to get the settlement.

Actually more than 15% if go by BT option but cleared in 12 months, if monthly payment of 15%, I may be able to clear within 3 years.

If you can walk in to clarify but that's the best. However, since multiple payments can be made within the same month, then should be OK to settle ourselves and walk in to get settlement letter.

Congrats, you are off from the hell.

Can use all so long you have the money.

My amount is too significant and if BT also gonna cost a lot every month.
Anyway, I may go for partial withdrawal via EPF and the rest paid CC. Need to prepare few CCs.

Does anyone know what exactly is needed for EPF account 2 withdrawal? I planned to withdraw around 67% of it and the remaining will be paid from my CC to earn some cash back before converting to 12 months BT.

I Googled and I can apply via online e-Pengeluaran form, however I cannot remember my tarikh mula pengajian and tamat pengajian. Also the dates can only be backdated to last 10 years, I started my degree program before that.

I guess I have no choice but to walk into the nearest EPF centre to apply for withdrawal. If anybody knows what else is needed besides my Degree transcript and cert, then please let me know. I just don't want to spend few trips there for the same thing.

Also how long will it take for it to be transferred to PTPTN? Thanks!

I found more information from EPF website but still worried I miss out anything as I'm going back to hometown today after work later and will be off for one whole month. My other documents are in my PJ house. I already prepared my transcript and cert.

Looks like I will call EPF and PTPTN later, hopefully the lines are not congested.