BT master / sifu,

will it make the CCRIS or credit report look bad and harder to get loan in the future, if i have many BTs, but pay all on time.

This post has been edited by lamode: Dec 5 2011, 10:04 PM

Once you fully paid up a BT, make sure the bank (i.e. CIMB) remove the CCRIS record

How are you going to check the bank removed ur credit cards that cancelled and BT that fully paid remove from CCRIS? Unless we go BNM and print our CCRIS Report?

hi bro....

recently got such confusion.....

my mbb CL 6k, first time i did BT 5k for 6 months, it went thru

2nd time i BT again 5k but already used up rm500, it declined


reason:

1) Can only BT 80% of the total CL which is 4800

2) Can only BT provided bank statement from others bank ( if u try to BT 3k from bank A , while the outstanding only 2k, it will declined)


can someone advise? the reason given by the CS....

reason # 2 is correct.
cant comment on #1. but mine seems to have more than 80%

base on ur scenario, u seems dun hav enough cl to do transfer.
ur limit is only 6k and u bt once for 5k.
so u only hav balance 1k

i bt once....and paid off

now wanted to bt again due to 0% by MBB....

mbb "kiam siap" give me 6k, while i got 2 others CC CL 12-15k

Say if u make a big item purchase of rm50000 using MBB2Amex. On getting the statement can u then BT to 3 separate banks totaling up to rm45000?

Why not ?
Any reason why need to BT to 3 different banks ?

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Added on December 9, 2011, 10:38 amOnce you BT from CIMB to Maybank, you can't BT the same amount to another bank, right ?

This post has been edited by ronnie: Dec 9 2011, 10:38 AM

Can we use the CIMBClicks account statement (print screen) for Maybank's 12-month 0% BT program application ?

cannot....edi consulted with the CS

they only accept original statement

You mean need to wait for CIMB's paper statement to arrive at my mailbox... aiya.
Let's pray it arrive quickly... need to give MBB BT processing team alot of days to process... especially across the year-end holidays

MBB accepts my OCBC estatement for BT application. Dont know about printscr.

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Added on December 9, 2011, 12:22 pmCL of the other 3 banks lower and/or credit already partially used up. Anyway just want to know if it is possible in case the same situation arises.

This post has been edited by MGM: Dec 9 2011, 12:22 PM

yes they do accept e-statement as well....but not the print screen statement....

CIMB snail mail me every month. I use that to BT back to MBB 12 mth 0%

I photocopy and fax in to MBB BT.

However, when I BT from MBB to CIMB, I remember I submit online print-out statement / print-screen only >6 mths ago. Approved what... That is why now already transfer it back to MBB.

i email my BT application to MBB last friday. call cs yesterday but he say no BT application yet in his screen...

wah can email?

i thought fax or snail mail only.....

what is the email address?

i still waiting the statement come out sien

i also not so sure about email. i just do as what kennji did in page 71. never did BT before..this would be my first..but the cs didnt complain anything when i say i email the application..he even says that usually emails take 3 working days at most to process..

you don't printscreen.
Instead, use that PRINT menu in CIMB Clicks.

for cimb bt, besides fax, can i email the documents? Which email address?

The Print screen doesn''t even have a CIMB logo on the printout..thus the Printscreen is more legitimate.
I will still scan into PDF..