for citibank, they have a good offer for BALANCE CONVERSION

you can convert your existing balance of your citibank cc at 9.88% pa interest
this is good option to split the payments into installments max 3 years. can less the burden.

Are you kidding? You consider 9.88% per annum a good offer? CIMB/DA offers you 0% interest for 6 months and 1% for 1 year.

I believe CIMB/CIMB DA also have almost similar feature with one-time upfront fee of 3% and min amount to convert is RM 500. It's called i.pay plan.

must i wait till getting credit card statement then only can apply for BT ? can i use just show unbilled transaction in internet and print out this ?

They accept e-statement but they want the first page of the bill.

wat's i.pay plan? i thought it is different fr balance transfer?

It's a installment programme like Citibank Balance Conversion. It's not BT.

i mean, can i show unbilled transaction to CIMB ?
Eg. my current statement due date is 1 Oct, outstanding 1k. i spend 10k on 27 Sep, shown in internet but will be reflected in my next statement with due date 1 Nov. Becoz i have not receive the new statement yet, can i do 10k BT by showing the unbilled outstanding of 11k printed from internet to CIMB ? Or should i wait the new statement to come then can only do BT ?

Thanks

I doubt they accept. They want first page bill summary showing outstanding amount and payment due date.

thanks. i have to wait for statement come then can do BT.

will BT affect my CCRIS record if i pay minimum to CIMB every month ? can i get a car loan or housing loan during the BT period ?

any freebies for BT from CImb ?




This post has been edited by truelife: Oct 3 2010, 07:03 AM

No freebie because this is a promotional campaign at attractive low interest rate of either 0% (for 6 months) or 1% (for 12 months).

anybody can answer my question about the CCRIS thingy ?

bt will not affect ur ccris. as long as min pymt is done it will shows 0 0 0 .

anyone know how long pb will do the balance transfer?

say if i fax the form on mon, when will they pay my cc?

For transfers to be made on or before the statement due date of the account to be transferred, your request must reach us at least 10 days prior to the statement due date. PB Card Services will not be responsible for any charges that may be imposed by the other issuer(s) due to transfer delays.

i already fax them the form last thurs
until today, they have not paid

not sure approve or not also

the cs also cannot get thru even wait very long

izzit cimb balance transfer 0% can just pay min payment and no interest will be charged?

Within the tenure you transferred, the answer is YES.

EH! I didn't know this. I'm on their 0% interest 6 months plan and every month I pay in full, as in the amount transferred divided by 6.

i think for most balance transfer with 0% offer, as long as you pay min payment within the given tenure, no interest will be charged, but after the tenure, they will start charging you the normal finance charge on the outstanding balance from the balance transfer