apply lower card type je lah. cimb petronas is enough. just want to do BT right ~

thats all? now got so many debit cards that offer such promo, either tgv or gsc or both. no need to worry about gst ~

OT already. dont just think, go do research. there are so many debit cards offering this now, seriously.
1 quick example - http://www.pbebank.com/en/en_content/perso...moviemania.html

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Added on October 7, 2011, 4:40 pmnow, lets go back to Balance Transfer topic. tq ~

This post has been edited by erry-: Oct 7 2011, 04:42 PM

yes u can. but no 0% plan.

refer here - http://www.maybank2u.com.my/WebBank/BTf300511.pdf

look for internal transfer

honestly, not worth it.

u get free gift, but actually the BT rate is 8.99% p.a

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Added on October 14, 2011, 2:53 pmthe best offer is 0% BT with no charges at all!
few bank offer for 6 months, 1 bank offer for 12 months.

go search this thread

This post has been edited by erry-: Oct 14 2011, 02:53 PM

what do u mean?

1. if BT into card with installment, no problem, as long as have enough credit limit.

2. id BT from card with installment:

2a. some bank, need to inform the bank to terminate the installment, and usually there is early termination installment penalty fee, such as 5% from remaining installment balance or rm50 or rm100 (depends on bank). this is bcoz some bank wont take the BT money received to offset the installment, just the statement balance and then remaining balance will credited so ur next statement have negative balance and availability CL is increased. example is CIMB/DA.

2b. some bank no need to inform coz they will take the BT money received to clear all the balance including installment, but still will charge u with early termination installment penalty fee. example is HSBC.

u wrong. the 24 months 0.375% is per month, not 1 time!

so the total interest rate is 9% (0.375% x 24 months).

the interest 9% from rm4.1k = rm369.

rm4.1k + rm269 = rm4469.

rm4469/24 = rm186.21 monthly payment.

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Added on November 1, 2011, 5:42 pmagain, 24 months 0.375% is per month, not 1 time!

1. if refer to the table provided by maybank, the interest is charged on the whole amount of rm2k.

but the actual rate is 9% (0.375% x 24 months).

the interest 9% from rm2k = rm180.

rm2k + rm180 = rm2180.

rm2180/24 = rm90.84 monthly payment.

refer attachment below. i edit, highlight, and upload it for u



2. for non-mbk2 card, if u pay min amount, the balance + recent transaction, all will be charged 17.5%. DONT DO THIS!

This post has been edited by erry-: Nov 1 2011, 05:42 PM

well, cimbclicks is like that.

my old visa and master gold is still there.

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Added on November 4, 2011, 4:40 pmand my cancelled visa plat also still there. haha

This post has been edited by erry-: Nov 4 2011, 04:40 PM