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

g
Once you fully paid up a BT, make sure the bank (i.e. CIMB) remove the CCRIS record

1% 6 months is not bad.
Much better than AmBank 

Let's say we earn 1.55% from RM10K, that's RM155. Less the upfront, earn RM55 or 0.55%, but this is not the case since we still got to pay monthly 5% minimum.

Or maybe here's another example, for discussion sake purposes, assuming one has RM10K cash on hand and do BT with UOB.

And assuming 1month FD 3% and pay 5% minimum payment towards BT outstanding

1st month interest approximately 10,000 x 0.03/12 = 25
2nd month, int. approx = 9500 x 0.03/12 = 23.75
3rd month, int approx =  9025 x .0.03/12 = 22.56
4th month, int approx = 8573.75 x 0.03/12 = 21.43
5th month, int approx = 8145.06 x 0.03/12 = 20.36
6th month, int approximately (this is assuming got adequate time to allow the balance to earn interest before Due Date) = 7737.81 x 0.03/12 = 19.34

Add above interest = RM132.44

So end of 6 months, after taking away RM100 upfront, one only earns RM32 or 0.32%!!!!!!

**Edited

This is interesting btw.

http://www.mybsn.com.my/pb_bsn_card2_Transfer.html

hmm, accepted a calls from HLB offering PL at 4.99%p.a.

Should I take this or do BT? if BT i had to wait for my BSN card to approve first :S Lol.

OMG !!! There's no harm in applying BT.
When CIMB see alot of requests, maybe they may bring the 6-month 0% BT program back to live

Haha.. No harm to try

Bro may I know what BT is this? Sounds very good!

So far I've seen the best is the Lifetime 5.99% p.a. BT program, which is already very good. Service was fast and efficient..

Seems like HLB is getting better after the merger.

HLB credit the $$ to your saving account. Citibank credits the $$ to your Credit card account, rite?

The advantage for HLB is you can withdraw $$ cash.

Gosh, luckly I asked more about the calls I received earlier.
The 4.99% PL was not actually PL. The money taken are based on your CC limit.

Lucky I never agreed to it.

Just found out that it is not 2% for 2 years. It is 4% upfront for 2 years and it is installment type

Just checking / need some advices....
going to clear off my outstanding charges (my ccard) but i was thinking...
If i settle up my due payment directly, I am still holding the card but if i am about the do BT... i am seeing the AMbank BT... it has few items up as free gift including the eyephone....

http://www.ambankgroup.com/en/Promotions/C...-QuickCash.aspx

additional charges of 8.99 % to be imposed AND if the payment is settled within the time frame.. additional rm 100 is to be charged as well ..
looking at the calculation .. rm 1K .. in exchange with 2 phones..... sound better to do BT ?

this may sound silly, as we are using 1 K to actually "getting those phones for FREE" but... even if i am about to sell out these phones.. i should be in win / +ve side ?

on the other hanbd of this BT...

http://www.ambankgroup.com/en/Promotions/C...rQuickCash.aspx

it is a guaranteed gift... but looking at the gift.. def iphone would be more interesting

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

thanks

let me ask her...you need to be citibank holder to get this rate..apparently selected customers only.

can. but you will end up kena panalty for early full settlement.

the detail i can't recall... but you must pay RM50 min. per month. To make the calculation easy, just keep RM50 x 6 in the account. the interest charge is really very minimun la.. 

don't take the risk (panalty RM100), unless you are very sure about it.  Keeping RM300 in the account is very safe method.

i just received a call from HLB abt BT , They are giving 0.5% / mth , lifetime , can settle anytime...........

maximum 25K

Need advice:

Say my MBB Amex statement balance on 3/3/12 is rm900.
but the current balance is RM3000 (8/3/12) (inc. statement bal of rm900).
Can I still do a BT to Citibank by phone (only need to provide acc# and amount) for the amount of RM3000 instead of RM900.
Due date to pay MBB is 23/3/12.