And we also have banks that change rules to suit THEIR bottom line. HSBC recently consolidated balance transfer accounts and credit card accounts and informed their customers that any payment they make will pay off the lower interest stuff first.
Basically that means if you have RM4000 in balance transfer (which the marketing ppl convinced you to get cos the interest is lower) and RM2000 in normal retail transactions, you must clear the RM4000 first before you can finish off the RM2000. In the meantime, interest is rolling.