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 Balance Transfer, What is it actually???

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gerrardling
post Jul 27 2011, 03:47 PM

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want to ask, uob BT is reducing or installment type one ?
gerrardling
post Aug 26 2011, 09:04 AM

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can maybank allow another BT if you already have 1 existing BT running ?


Added on August 26, 2011, 9:06 am
QUOTE(pisang @ Aug 25 2011, 09:36 PM)
hello, may i ask what's the max. of the CL can be used for BT?

a) CIMB CC ?
b) Maybank CC ?

i called cimb this morning. i was told that i can use 100% of the credit limit for BT.

thank you.
*
a. 100%
b. 80%

This post has been edited by gerrardling: Aug 26 2011, 09:06 AM
gerrardling
post Aug 26 2011, 01:47 PM

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QUOTE(pisang @ Aug 26 2011, 12:10 PM)
Tks.
For maybank, "sufficient CL" means?
80% of the CL as what gerrardling said?
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let say u have 10k. they only allow u to use 8k for BT
gerrardling
post Sep 5 2011, 11:28 PM

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yeah, use that peanut money to pay giro banking fee
gerrardling
post Sep 21 2011, 02:16 PM

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QUOTE(shiroikun @ Sep 21 2011, 01:58 PM)
Normally it takes 3-5 working days...I done it last month and it only takes me 4 days.
*
u fax to them or via email ?
gerrardling
post Sep 28 2011, 02:06 PM

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just to confirm that MBB accept BT account from CIMB. MBB is quite efficient nowadays, whole process took 3 to 4 working days
gerrardling
post Oct 6 2011, 05:33 PM

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QUOTE(shiroikun @ Oct 6 2011, 05:29 PM)
Recently i did a BT with citibank, it only took me 2.5days to reflects to the BT.

3rd OCT, Monday
Call up Customer Service for BT at noon, voice recorded. After 2 hours i saw the BT amount charge to my citibank card.

4th OCT, Tuesday
Received SMS from citibank, BT Successed.

5th OCT, Wednesday
Morning 8am, online check the credit card account that I BT from. Everything is cleared.  thumbup.gif  thumbup.gif  thumbup.gif

It is damn fast man!
*
question is how much is the interest rate ? flexi or fixed monthly installment ?
gerrardling
post Oct 7 2011, 01:37 PM

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QUOTE(dopp @ Oct 7 2011, 01:08 PM)
Why would u settle for 3.99% when pbb
Cimb and mbb offer much much lower unless u don't have other cc?
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maybe he wants reducing rate typed of BT ? but cimb offer that kind of option also at 0%
gerrardling
post Oct 17 2011, 09:30 AM

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QUOTE(MGM @ Oct 16 2011, 10:13 PM)
Anyone here has tried the BSN's BT  of 0% for 6 months with min transfer of RM1,000 ?
*
gov staff doing all the works, the working culture is totally different with commercial bank, so what can u expect ? it might be 1 week for them to receive it, 2 weeks for them to process it

This post has been edited by gerrardling: Oct 17 2011, 09:30 AM
gerrardling
post Nov 3 2011, 05:30 PM

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QUOTE(ronnie @ Nov 3 2011, 02:53 PM)
Finally fully paid another 2 CIMB BT accounts.... these fully paid account don't go away on its own.
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They still havent remove your BT accounts yet ?
gerrardling
post Nov 4 2011, 07:02 AM

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QUOTE(ronnie @ Nov 3 2011, 07:51 PM)
i had to email to them to get it removed.
I will do the same for these just-paid BT accounts.

Does your CIMB BT account gets removed once fully paid up?
*
still havent fully paid up my BT account yet. Did they remove it from our CCRIS system also ?
gerrardling
post Nov 6 2011, 06:03 PM

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got a question here for cimb BT. let say my first cimb BT account statement date is on july 1st. The last statement will be on dec 1st, and i need to settle all my outstanding before 20th dec. Am i right ?
gerrardling
post Nov 7 2011, 03:33 PM

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QUOTE(ronnie @ Nov 7 2011, 12:06 PM)
It's additional 20 days from Statement Date of the 6th Statement you receive to avoid BT interest.
*
ok. got it. smile.gif
gerrardling
post Nov 24 2011, 09:32 AM

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QUOTE(kennji @ Nov 24 2011, 01:21 AM)
can confirm its the same for my case. applied a small amount BT for testing. speedy processing from MBB!  thumbup.gif
-emailed application on 16 Nov
-replied saying MBB had received the application on 18 Nov
-payment GIRO to OCBC account on 23 Nov
*
which email u sent to ?
gerrardling
post Dec 1 2011, 11:56 AM

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QUOTE(azam_halim @ Dec 1 2011, 11:11 AM)
which cimb cc can do 6 months 0% BT? i tought cimb BT is for new card member only..or did u guys apply new, do BT, when finish, cancel card, and apply again when want to do BT?  rclxub.gif
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All cimb cc can do BT. New and existing customer can do BT. They will create a separate account for you which will share credit limit with your CIMB CC. after finish paying, they will remove it
gerrardling
post Dec 20 2011, 04:58 PM

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QUOTE(azam_halim @ Dec 20 2011, 03:36 PM)
my emailed application to MBB also gone missing! i didnt get any undelivered message in my email, and the email that i sent is in my 'sent mail'. i call cs after 3 days and 8 days later just to be told that it is not in the 'screen'. i email them back to cancel it and got a reply saying that they did not even receive my earlier email. the only reason for them to not 'receive' my application that i can think of is that i email my application at about 12am on 1st dec..maybe their email went home to sleep already at that time..they receive my second email since it was sent at around 11am on a thursday..but that would be stupid..

maybe from now on, must call after fax to confirm receive..or they just delaying the application so that no more 0% bt onwards...ala kfc voucher last week.. whistling.gif
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Lately their email system always got problem one. After sent my application through email, it took them 1 week to confirm receiving it and took 3 more days to process it
gerrardling
post Dec 28 2011, 08:13 AM

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QUOTE(ronnie @ Dec 27 2011, 11:23 PM)
To avoid MBB from rejecting BT from a BT account  drool.gif  brows.gif  brows.gif
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i submitted paper statement for cimb BT account, they still accept it rclxms.gif
gerrardling
post Jan 3 2012, 10:06 AM

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there will be massive cancellation of CIMB credit cards soon
gerrardling
post Jan 4 2012, 09:36 AM

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submitted on 31 dec 2011, got it approved today. That will the last BT for cimb sad.gif
gerrardling
post Jan 5 2012, 05:46 PM

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QUOTE(temptation1314 @ Jan 5 2012, 05:23 PM)
The Ambank BT 0% also got, until end of feb 2012.

Probably I should get that.
*
heard they only offer to selected customer only

QUOTE(maru @ Jan 5 2012, 05:38 PM)
damn sad.....mbb suck~~!!!

MBB BT Application
Faxed on : 23 December 2011 9.45am
Approved on :
Paid to CC on :

System din capture a single thing, even i email them. Very good CS

REFAX on 28th , until now...no news

great job
*
Their system is in a mess. once you faxed, you better call them in afternoon.

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