Thanks for the reply..but quite confusing with your later explaination about can do more BT if have available credit.can explain more?

Let say 1st CC - credit limit 7k, outstanding 3k

then apply 2nd CC - get 10k credit limit..so, BT the 3k to this CC.

and then?

Tell you what, you go find out which card got BT plan for next month and then study if the plan is good for you and then after approved you apply BT and see what happens. After you have done your first BT, you'll understand better, if not, then come back and ask again.

http://www.pbebank.com/en/en_content/personal/cards/bt.html

CIMB BT dept send me a notification :
I guess CIMB 0% 6-month BT program is not available.

This post has been edited by ronnie: Jan 23 2012, 12:19 AM

now, no need to put cimb cc in the wallet anymore
just put in the drawer collecting dust
better to use mbb 2 amex n ocbc titanium

Just to share, Saw this in the star front page today:
1) 8.99% pa, has to sign for 36 months
2) 15k for htc, 20k for ip4s
3) its one phone per bt, not both
There's no offer that is 'sure win' for consumer one lah.

better buy the phone myself through easy payment rather than paying the interest

hi guys,

with regards to the ambank BT programme, i'm currently eyeing the quick cash option, but am not too sure about this clause in the T&C. what does the 1.5% fee mean?

5. The QuickCash amount shall be treated as a cash advance but the cash advance fee imposed on the card
pursuant to the Bank’s Card MasterCard/VISA Agreement (“Card Agreement”) is hereby waived in as far as the
QuickCash amount is provided under the Programme. However, a finance/management fee charge at the rate of
1.5% per month calculated on a daily rest basis shall be imposed on the monthly principal instalment amount and
the monthly interest instalment amount (not applicable to the monthly management fee instalment amount for
AmIslamic Bank credit card) from the posting date of the said instalment amounts until the full payment is
received and credited into the Cardmember’s account. The finance/management fee charge shall only be posted
in the Cardmember’s account statement on the subsequent month of the said instalment.

i went to the bank branch to ask and they told me this is the charge fee for early settlement, but it doesn't sound right. anyone can help shed some light on this? thanks!

8. The Bank shall be entitled to debit RM100.00 from the Cardmember’s account for any early settlement of the amount ahead of the instalment tenure. All outstanding instalments with its respective interest/management fee for the entire tenure shall immediately become due and payable in any early settlement. For the avoidance of doubt, any cancellation of the Card shall be regarded as an early settlement under the Programme and the Bank shall similarly be entitled to debit the amount of RM100.00 from the Cardmember’s account and shall have the right to claim and be paid with all outstanding instalments with its respective interest/management fee for the entire tenure, due to the aforesaid reason.

RM100 la for early settlement. I believe that 1.5% are Finance Charge on the outstanding amount, which equivalent to 18%p.a.

can i do a BT when i already apply for a easy payment scheme?
would like to cancel my CIMB and switch to mbb but the easy payment juz apply for a easy payment purchase 4month ago...
anyone have any experience?
tqvm

Firstly, please note that Balance Transfer and Quick Cash are separate products.

Based on above, Quick Cash is no difference from withdrawing cash from ATM machine where you be imposed daily interest on the amount outstanding until you settle in full. Also note 1.5%/month is equivalent to 18% interest (well, actually a bit more since interest is calculated daily).

For AmBank BT, you be charged upfront 8.99% interest and you are to repay it monthly installments, failing which you shall also be charged 18% interest.

So far that I know the BT available

0% BT
Public Bank - End next month
RHB Bank - End end of this month

1 time fee charge BT
Hong Leong Bank - 0.5 per month for 6 months
AM Bank - 6.99% flat rate with gift
MBF - 5.99% 1 time charge for 12/24/36/48/60 months
Alliance Bank - 5.99% 1 time charge split 12 months for 12 months payment.

Previous offerred 0% BT, now still dont have
CIMB Bank
Maybank

Ambank gift is just to lure you one la. LOL.

Take the minimum BT

RM5,000 - Interest RM1,348.50
Gift - SE W8 - RM907 or
Gift - Sony PSP 3006 - RM899

RM10,000 - Interest RM2,697.00
Gift - Sharp 40in LCD - RM1,999 or
Gift - Sony Xperia Arc RM1899

RM15,000 - Interest RM4,045.50
Gift - Sony Vaio - RM2,699 or
Gift - HP TouchSmart - RM2,588

Lol.

time to cancel CIMB CC. Do you all know if SmartFlexi Pay still available for insurance, hospital bill and education?

no more flexi plan for CIMB

any 0% promo BT available among Stanchart,HSBC,MBF,HongLeong,MBB or CiTi ?

thanks

The answer is NO NO NO NO NO...hahaha

anyone taking BT with interest?
is alliance bank's 6 mths BT @ 0.42% per month the best deal on table among chargeable BT?

if you have read few back post, PBB 0% still being offered until next month.

i have already maxed out PBB and trying to avoid RHB, so looking at non 0% BT at the moment.