is that means, there's no point to do BT from my other cc to amex, if my amex have balance 1k before BT?

if you are paying only 5%, yes no point BUT if you have been paying in full the Amount Due every month prior to Due Date and will continue to do so, then go ahead and do the BT to your AMEX anytime (if you got MBB2 and not using the Visa or MC, suggest you BT to the Visa or MC account for easy reference) and you won't be imposed interest..

This post has been edited by Gen-X: Oct 5 2011, 11:32 AM

Mine is the same and i have been paying every month the same amount.

eg: RM1200 / 6 = RM200 per month

If you intend to pay the same amount every month, you should have BT to Maybank which offered 12-month 0% BT program

I pay only 5% each month (1st-5th) to my CIMB BT account and full balance payment on 6th Month....

I thought of that before and decided to BT to CIMB due to the amount is not huge and dont like to be tied with 12 months "contract" due to my own budget planning.

for MBB, the minimum RM1k BT is per card or per BT application?

This post has been edited by lamode: Oct 5 2011, 10:00 PM

per card of BT.

say u have 2 cards u want to BT to mbb, so each card must BT min rm1k.

The minimum amount you can transfer under the 12 month plans is RM1, 000.
You can transfer balance from up to three other banks at one time.

thanks

i did my BT to MBB with current statements(past) plus the amount i spend up to mid of the new mth through the online statement so i get to off set payment frm the transferred CC for almost 2 mths(except a small amount of the from autobilling which comes after later.)

I did Maybank BT on 29th September. Approved on 5th October. Four working days only. But haven't seen the fund being reflected in CIMB yet.

This post has been edited by mengsuan: Oct 6 2011, 03:10 PM

give it another 1 or 2, mine cleared payment by 4 workings day from submission

Just found out from CS that 90% of MBB CL can be used for balance transfer

Recently i did a BT with citibank, it only took me 2.5days to reflects to the BT.

3rd OCT, Monday
Call up Customer Service for BT at noon, voice recorded. After 2 hours i saw the BT amount charge to my citibank card.

4th OCT, Tuesday
Received SMS from citibank, BT Successed.

5th OCT, Wednesday
Morning 8am, online check the credit card account that I BT from. Everything is cleared.

It is damn fast man!

question is how much is the interest rate ? flexi or fixed monthly installment ?

3.99% for 9 months, reducing rate. No early settlement charges. 5% min payment monthly

Maybank BT approved on 5th, fund received on 6th. Total 5 working days.

Very tight schedule but made it. Lol..

Why would u settle for 3.99% when pbb
Cimb and mbb offer much much lower unless u don't have other cc?

maybe he wants reducing rate typed of BT ? but cimb offer that kind of option also at 0%

Lucky fellow

time traveller kaki?

I don't have PBB and CIMB CC, MBB having a low credit limit, can't really do much with it.

Yap, i like reducing rate BT, only this type of BT you can always BT from 1 CC to another.

I tried to register CIMB VS twice already, rejected and rejected...i'm giving up on CIMB since the promotion for 0% ending soon but i'm not sure it will extend or not...