Aug 8 2009, 03:38 PM, updated 15y ago
1)From my understanding, it is combining all the debts from different credit cards into one card. IS this correct?
2) Which is more worthy? : to have a balance transfer or a personal loan?
PLease help me. Thanks
QUOTE(evilcantona @ Aug 11 2009, 11:38 PM)
Balance transfer is tranfer ur outstanding from other bank...
Example:
Ambank Balance Transfer
-U have 4k outstanding from Citibank u transfer to ambank,
-After transfer to Ambank ur citibank is clear
-So now u hutang ambank but with a lower interest
-so u just pay to ambank rm4000 + interest 8.99pa in 2years/24mth with no admin fee or processing fee and u get handphone for rm4000 transfer..
if u 1 cash money just do quickcash ambank will bank in $$ to ur sa or c account condition same as balance transfer
hope this help...
Example:
Ambank Balance Transfer
-U have 4k outstanding from Citibank u transfer to ambank,
-After transfer to Ambank ur citibank is clear
-So now u hutang ambank but with a lower interest
-so u just pay to ambank rm4000 + interest 8.99pa in 2years/24mth with no admin fee or processing fee and u get handphone for rm4000 transfer..
if u 1 cash money just do quickcash ambank will bank in $$ to ur sa or c account condition same as balance transfer
hope this help...
QUOTE(evilcantona @ Aug 16 2009, 09:53 PM)
the credit card still can use? still can use...let say u do balance transfer 8k but the card limit is 10k, so u still have 2k balance to use
This post has been edited by iamkid: Aug 17 2011, 03:49 AM
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