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 Balance Transfer, What is it actually???

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kanethesun
post Apr 14 2011, 09:07 AM

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any balance transfer promotion recently?

I am holding EON Bank, HSBC and CIMB card by the way biggrin.gif

Plan to get a smartphone, act-smart biggrin.gif
kanethesun
post Apr 14 2011, 10:22 AM

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err, plan to grab HTC Incredible S

anyone knows any HTC / SIS promotion @ PC Fair? biggrin.gif
kanethesun
post Apr 17 2011, 05:25 AM

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is the successful rate for CIMB Balance Transfer high?

Because I plan to swipe with HSBC, and do BT with CIMB.

Both card have same CL.
kanethesun
post Apr 17 2011, 10:31 AM

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oh I see, I dont swipe much with my CIMB Visa 1, major use only for Touch n Go, and some F&B outlets which offer 10% - 15% discount biggrin.gif
kanethesun
post May 24 2011, 08:31 AM

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Hi guys, sad case for me
I applied for BT from HSBC to CIMB last week, at CIMB Sunway Pyramid (the card centre), and until yesterday, I call CIMB to follow up see if my application successful, the CS told me they didnt receive my application sad.gif

Which make me to visit The Gardens CIMB again yesterday, the teller there told me as long as I pay the minimum payment, HSBC will not charge interest on my outstanding balance, is it true? since my due date is 31/5, and I am not sure if the BT application will success or not ...
kanethesun
post May 24 2011, 11:20 AM

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I called to check the status yesterday morning, customer service officer @ card centre said didnt received any application under my name sad.gif


kanethesun
post May 24 2011, 05:48 PM

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I submit the form @ CIMB Card Centre, which I think they will fax in directly "-___-"

my current outstanding is 4.7k, minimum payment is RM235

I got a Q, if I dont even pay the minumum payment, will I charged for higher interest ?
kanethesun
post May 24 2011, 06:21 PM

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so if I pay the minumum, 4.7k - 235

4.46k, I will be charged 1.5% of 4.46k right? sad.gif
kanethesun
post May 24 2011, 06:46 PM

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the calculation I made above is just in case my BT application is unsuccessful before 31/5 which is my due date sweat.gif
kanethesun
post May 28 2011, 11:21 AM

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CIMB 6 months @ 0 %

12 months @ 1 %
kanethesun
post Jul 22 2011, 06:10 AM

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guys, I got a Q here ...

April, I swipe 4k with HSBC, and then later on I BT to CIMB ...
now I thinking to cancel CIMB card, can I transfer the BT in CIMB to Maybank?

I just thinking is it possible to BT on a BT amount?
kanethesun
post Jul 24 2011, 01:25 PM

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and oh yea btw, the Balance Transfer
is it only for Visa / MasterCard?
say if I swipe 5k with my Maybankard AMEX, can I BT to CIMB 6 months 0%?
kanethesun
post Jul 25 2011, 01:43 PM

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QUOTE(Gen-X @ Jul 24 2011, 03:13 PM)
You can even do BT with CIMB for American Express Charge Card  thumbup.gif
*
wow great to hear that
hmm, AMEX for CIMB?
never heard of that before ... haha, anyway I am BT-ing with my Maybankard AMEX to CIMB 0% biggrin.gif
kanethesun
post Jul 29 2011, 07:33 AM

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12 months 0% @ Maybank I suppose?
where CIMB offer 6 months 0% @ CIMB?

by the way sifu, I have another Q,
I swipe RM2k + with my AMEX, can I BT my Maybank AMEX to Maybank MasterCard?
kanethesun
post Jul 29 2011, 11:20 AM

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hmmm? 2-3 years repayment period?
kanethesun
post Nov 1 2011, 09:16 AM

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QUOTE(erry- @ Oct 14 2011, 12:05 PM)
yes u can. but no 0% plan.

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

look for internal transfer
*
ouwh, never know we can actually do BT from MBB to MBB yawn.gif

so I can transfer my MBB AMEX to MBB MasterCard?
I got 4.1k outstanding on my AMEX, I curious about the 0.375% rate, is that one time charges of monthly?
I calculated 4.1k x 0.375%, in total I only pay RM15.38 only for 24 months or is that chargable monthly?
kanethesun
post Nov 1 2011, 10:12 AM

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I hope sifu here can clarify on the rate too, and if doing BT between MBB and MBB, will it take less time?
because my due date on 7/11 blink.gif

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