yes, they can reject as they deem fit, since u missed ur payments sometimes, ur CCRIS is not going to look gd
we have always stress to pay at least minimum or more before or on the due date itself

let say i miss my min payment this month...my due is on 10th...
n i subbmit application for cimb n bsn last monday.....is this info appear on ccris??....

it will be shown next month

OCBC is super efficient. Just faxed the BT application form this morning. A few hours later, I can see the BT amount charged into my Titanium online statement. However, it is not reflected yet in my Citibank online statement.

I assumed there is no interest charged during the 6 months period although the BT amount is showing in the statement. Hope my assumption is right.

that's not so good as it may accumulate interest, right ? and yet they didn't transfer the funds to Citibank.

Too efficient and charged me interest when i received my 1st statement after BT. Anyway, i called CS bla bla bla, then they appologized to me and want me to call them back if my next statement still have interest charges...

after all, i got a thought that they either using a dumb sys or dumb IT guy ....

by the way, if i use RM2k for retail n BT 3k... so if i only paid RM2k, any interest impose on me??

Hi guys have any one of u did the balance transfer twice to the same bank? I intended to apply for another BT from CIMB after the first one was approved.

I am having four BTs with CIMB now .
So, your question is answered

Hahahaha thanks! Then I'll have a great savings!

Dear all experts....

I'm new to Balance Transfer, and would like to get some help.

Currently I'm a UOB bank Visa credit card user...the only one I have.

Would like to make a balance transfer to the best promotion around (heard should be either CIMB or Maybank).

How I'm going to do it? I heard the promotion from CIMB is only for existing CIMB card members...how about Maybank?

I did some cash advances from UOB card before....will that fail my application for a balance transfer?
I think I never pay late for my monthly payment though.

Life been hard...hope you guys can help me out.

Thanks everyone...



This post has been edited by greeny88: Mar 18 2011, 06:25 PM

First of all, you must be a card member to do balance transfer and therefore, you need MBB card to do BT from UOB to MBB too.

No, the cash advance would not affect your BT application unless your credit record is bad, i.e. you have late payments for your loans or credit card, then your application for another credit card may be rejected by the issuer.

Thank you very much for the fruitful reply.

If that's the case, can I apply something like for a new card + BT at the same time? I'm worried I will get rejected only. I think I've never late for payments.

Which bank is the most convenience and easily will approve the application.

Thanks...



This post has been edited by greeny88: Mar 18 2011, 11:15 PM

I don't know which bank presently you can apply for card together with BT, even if there is such an offer, I would recommend that you apply for the card first and see if it gets approved. Reason being is because if your application takes a long time to process, then the bank you applying for the new card would not make payment to UOB until your application has been approved and you may end up paying interest on your UOB card.

click below link to my blog read more on BT, would recommend either CIMB or MBB as more "direct" in terms of payment.

http://creditcardsmalaysia.blogspot.com/20...fer-2011-0.html

I was informed by the CS that the issue is due to system limitation. I have to call CS every month to reverse out the interest charges on the BT amount. It's a hassle.

Last Monday, i faxed my BT form to Maybank.

Call their CS on wednesday, and they said not yet receive . Faxed again on Thurs
Call their CS on Friday and they told me to check 1 week later

How can i confirm wthether MBB already receive my BT form.

Normally, how long they take to approve BT ?

Anyone experience this before ?

for MBB, after u faxed in, wait for 3 days for them to update the system. you can call them after 4th or 5th working day after u faxed in, MBB is so slow, and they dont want to inform customer whether they have received it or not.

Bro...

Just applied Maybank 2 Gold Cards....read the description. Quite attractive....what do you think, bro?

CIMB charging annual fee for gold cards (RM140), so I gave up on that.

I hope the application goes well and I can do balance transfer soon...

I faxed form by 3/13.
Called MBB CS by 3/17, form received. Ask them to double confirm, they confirm received.
Called again by 3/21...."Sorry, We do not received ur form"...
Then request me to send it again, i say no need liao ...

My Mbb BT approved.
Takes bout 3 weeks.

I submited via branch.