oo... so b4 settle da BT... da CC cannot use anymore izzit?

yupe

Can perform a BT that could max out the available credit limit? I don't think so.

Have a question regarding Pbbank BT, if I go for the 6 months BT for 1800, meaning every month I'll need to pay 300 right? What if I charge another 300 to the card, if I pay 600, will I be charged with any interest?

If the BT plan is offering 0% for 6 months tenure, then your calculation is correct. Otherwise, do the Maths on yourself.

Additional amount swiped to the card will not be charged for interest if you clear that amount before payment due date. For details regarding outstanding amount due to payment, kindly refer to your card statement or clear it with the customer service.

Any bank currently offer BT at 0%?

We have a lot of new players in this kind of BT offer.

The famous players are CIMB, CIMB DA and Maybank. Other banks also got offer attractively low BT rate too.

I dun have CC with those bank.I only got HLB,CITI and SCB

CIMB/DA allows you to do that.

To me balance transfer is like robbing paul to pay peter. it's just a way for banks to make money out of ur mountain of debts.

True for most people who are in debt. They do BT then go spend more on CC and their debts keep mounting. Then again there are a few of us here who take "advantage" of the 0% BT and earn some pocket money.

That's true. I just transferred a total amount of RM80,000 from my SCB JustOne Titanium and SCB World MC to DA VI last month. I am going to do another BT from OCBC Titanium to DA VI this December. I have money to settle all the outstanding balance but since DA is offering me 0% interest for 6 months without any handling or upfront fees, I can delay paying in full and my money can earn some interest in FD!

BT is a good feature in CC if you know how to exert proper usage and control.

it's good if there is discipline & control

What is DA VI?

DA VI = Direct Access Visa Infinite

Wat is the BT rates for SCB Platinum card member?

I have 2 cards with outstanding.
Will I save more if I use balance transfer on both of them vice versa on one another if I have the available cc limit on both card to do that?

And what I really wanted to know is that possible to do balance transfer like that? xD

Provide if both cards are not from the same bank and both cards have 0% BT. If you have a significant amount of outstanding that you want to settle slowly, it'll be marvelous option.

Thanks to David83 that guided me to this thread.

I got another question here.

Since i signed up an iphone digi plan using EPP with 3rd party credit card and i pay the amount as stated during i sign up the EPP. Now, i am about to transfer the balance to my CC. My question is, i am subjected to 24 months installement, after i transfer the balance, am i still entitle to the installment and how much they will charge on it?

Your EPP will still go on no matter how unless it expires 24 months later.

However, if you wish the transfer the monthly EPP installment amount along with other outstanding amount, I believe it is possible provided that the EPP monthly amount is already shown in the cumulative outstanding.

BT rate/promo varies from bank to bank.

This post has been edited by David83: Nov 30 2010, 11:31 AM