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 Balance Transfer, What is it actually???

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v2_vehooi
post Feb 24 2012, 12:10 AM

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may I know any card have offer 0% BT right now ?
gerrardling
post Feb 24 2012, 09:50 AM

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QUOTE(v2_vehooi @ Feb 24 2012, 12:10 AM)
may I know any card have offer 0% BT right now ?
*
Pbb, BSN and AEON
v2_vehooi
post Feb 24 2012, 10:38 AM

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I apply Pbb, BSN and AEON too....
But, Pbb, BSN all rejected....
Now, pending AEON to approve me smile.gif
ronnie
post Feb 24 2012, 10:43 AM

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QUOTE(v2_vehooi @ Feb 24 2012, 10:38 AM)
I apply Pbb, BSN and AEON too....
But, Pbb, BSN all rejected....
Now, pending AEON to approve me smile.gif
*
Mabe you have too much debt.... that's why the low approval rate.
Felice821
post Feb 24 2012, 01:03 PM

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I got my PBB approved. I submitted last Thursday afternoon, Monday got approved.
gerrardling
post Feb 24 2012, 04:04 PM

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latest news for PBB BT, min balance to transfer for 0% BT is RM3000 and extended to 31/3 already
http://www.pbebank.com/en/en_content/personal/cards/bt.html

This post has been edited by gerrardling: Feb 24 2012, 04:05 PM
digilife
post Feb 24 2012, 07:28 PM

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CiTi officer call me yesterday and asked me to BT 6mths Zero %, i agreed and today i checked my CiTi online and the amount was debited onto my account and i got a fon call again telling me that the fund have been sent to the bank concern.
Good Service, CiTi notworthy.gif
ronnie
post Feb 24 2012, 11:11 PM

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QUOTE(digilife @ Feb 24 2012, 07:28 PM)
CiTi officer call me yesterday and asked me to BT 6mths Zero %, i agreed and today i checked my CiTi online and the amount was debited onto my account and i got a fon call again telling me that the fund have been sent to the bank concern.
Good Service, CiTi  notworthy.gif
*
Did Citibank create a separate BT account ?
Can we pay only 5% minimum month #1 to #5, and fullly settled on Month #6 ?
digilife
post Feb 25 2012, 08:33 AM

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QUOTE(ronnie @ Feb 24 2012, 11:11 PM)
Did Citibank create a separate BT account ?
Can we pay only 5% minimum month #1 to #5, and fullly settled on Month #6 ?
*
No separate ac , I have 2 cards with them and was adviced to BT into the "seldom" use card.

HLB will create a separate ac for its BT programme and you cannot fully settle them within the BT period

Yes, I only need to pay only the minimum 5% repayment from mth#1 ~ mth#5 and bal of the BT on mth#6

There is no penalty if i were to settle early ( no nid to settle as i can fully enjoy this BT )
ronnie
post Feb 25 2012, 09:45 AM

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QUOTE(digilife @ Feb 25 2012, 08:33 AM)
No separate ac , I have 2 cards with them and was adviced to BT into the "seldom" use card.

HLB will create a separate ac for its BT programme and you cannot fully settle them within the BT period

Yes, I only need to pay only the minimum 5% repayment from mth#1 ~ mth#5 and bal of the BT on mth#6

There is no penalty if i were to settle early ( no nid to settle as i can fully enjoy this BT )
*
I wonder if I can get this Citibank BT program when applying for new Citibank card.... hmmm hmm.gif hmm.gif
digilife
post Feb 25 2012, 10:06 AM

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QUOTE(ronnie @ Feb 25 2012, 09:45 AM)
I wonder if I can get this Citibank BT program when applying for new Citibank card.... hmmm  hmm.gif  hmm.gif
*
if u hav a CiTi card now, i guess u can get the BT , i can giv u the officer's name and ext number

biggrin.gif

6 mths Zero interest wei...........that will unlock quite some cash into the "open" for other purpose, and they wont care you use that amount to place another FD in another bank or to buy a yatch( modelling) rclxms.gif

but then again, it also depends on your available credit limit, so do it on a Platinum Card icon_idea.gif

This post has been edited by digilife: Feb 25 2012, 10:11 AM
v2_vehooi
post Feb 25 2012, 12:04 PM

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I also get 0% BT from citibank....According to citibank staff, the 0% BT is only for those selected customer. So, the only way is you need to call them see whether you are in their list. good luck.
By the way, yesterday just receive the statement and the BT amount is mixed with my normal transaction. So, I dont know how much should I pay from month 1 to month 5?
ronnie
post Feb 26 2012, 01:11 AM

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Does BT Account numbers (eg. CIMB BT account) appear on CCRIS report ?
winner
post Feb 26 2012, 07:15 AM

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QUOTE(ronnie @ Feb 26 2012, 01:11 AM)
Does BT Account numbers (eg. CIMB BT account) appear on CCRIS report ?
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It is shown as one of your total outstanding balances. It's a liability.
lamode
post Feb 26 2012, 09:36 AM

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QUOTE(ronnie @ Feb 25 2012, 09:45 AM)
I wonder if I can get this Citibank BT program when applying for new Citibank card.... hmmm  hmm.gif  hmm.gif
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i will post here once i heard back from CS in the next few days. smile.gif
arsenal
post Feb 26 2012, 03:53 PM

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maximise my BT for citibank 0% for 6 months..tongue.gif
digilife
post Feb 26 2012, 05:27 PM

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Lots of u guys taking advantage of CiTi 0% for 6mths, wonder why CiTi is so kind? sweat.gif

wat do they earn when we payback them in full on mth#6 biggrin.gif
v2_vehooi
post Feb 26 2012, 09:53 PM

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digilife, the 0% BT is not a new to the market. CIMB Bank have such promotion since 2, 3 years ago (if not mistaken).
So, citi only offer for selected customer and only certain period. It is not kind enough smile.gif
ruben7389
post Feb 26 2012, 10:59 PM

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I get 0% for my Aeon BT... sadly have maxed it all out already... Citi never offer me also... how can I get it then?
SUSDavid83
post Feb 26 2012, 11:02 PM

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QUOTE(ruben7389 @ Feb 26 2012, 10:59 PM)
I get 0% for my Aeon BT... sadly have maxed it all out already... Citi never offer me also... how can I get it then?
*
Told you that it's only for selected customer. I also didn't get it. Instead, they offer me 0% interest cash advance for 6-month with 5% on-time fee.

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