BT always having a better rate than PL...

Of course, but hardly I get offer for PL @ 4.99% p.a.

Even lowest I saw before was 8.88% with Alliance Bank.

Probably I'll take this. 4.99% is hard to resist. LOL.

@ 4.99% pa very good

take the money n put inside as1m

I did receive a call from HLB offering BT @ 0.45% per month...reducing balance program.

Hmm, really later I ask the CS again. I had asked her to call me back 6pm later LOL

I've just submitted a CIMB BT application this morning.
I wonder will CIMB approve the 0% 6-month BT application after the expiry date (31 Dec 2011)

Lol, good luck then.

Hi Ronnie, do u mind to send me CIMB BT application from as well, i plan to have a try also

I like your 'die-hard' attitude.

Cos I'm having to pay the RM50 GST in Jan 2012 for Y2012... might as well push the BT program to the max (beyond expiry)

I used the existing BT form... Gen-X blog will have a copy

Thanks Ronnie..

ronnie, see what you have done, CIMB staff will be like blur when they start to receive BT applications from you guys, hahaha

OMG !!! There's no harm in applying BT.
When CIMB see alot of requests, maybe they may bring the 6-month 0% BT program back to live

Haha.. No harm to try

Most likely both of you will get rejected, haha

^Lol, so jahat meh. I honestly pray they will get, and CIMB will resume their 0% BT

Bro may I know what BT is this? Sounds very good!

So far I've seen the best is the Lifetime 5.99% p.a. BT program, which is already very good. Service was fast and efficient..

Seems like HLB is getting better after the merger.

5.99% actually it is very standard BT interest rate across all banks, the main idea that attract you would be the LIFE TIME words. You can get 5.99 for SCB, UOB, MBF etc.

From my POV, the period is not a big issue, we can always transfer the balance from that BT that going to expired to another credit card and continue enjoy the lower interest rate.

If you have citibank credit card, I think citibank BT is quite worth it. 3.99% p/a for 9 months = 0.3325% per month only, far better than HLB 5.99% p/a = 0.5% per month.

Additional, If you compare to the respond of the service. I can tell you that citibank only take 3 working days for the BT to credit to your credit card.

If you call up the CS for BT on morning, next morning you can see the BT amount charge to your credit card, the next day the money already credited in your other Credit card...

This post has been edited by shiroikun: Jan 16 2012, 06:05 PM

HLB credit the $$ to your saving account. Citibank credits the $$ to your Credit card account, rite?

The advantage for HLB is you can withdraw $$ cash.