12 months 0% BT are interesting. Planning to get something around RM4k soon
Balance Transfer, What is it actually???
Balance Transfer, What is it actually???
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Dec 28 2011, 11:21 AM
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#1
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
if MBB ones get extended, probably I should go apply 2 cards :S
12 months 0% BT are interesting. Planning to get something around RM4k soon |
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Jan 5 2012, 05:23 PM
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#2
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
The Ambank BT 0% also got, until end of feb 2012.
Probably I should get that. |
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Jan 5 2012, 05:47 PM
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#3
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
I got the leaflet over here. Maybe really for selected customer only.
I'll try to enquire within, never had any deals with ambank at all. LOL |
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Jan 5 2012, 06:12 PM
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#4
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
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Jan 10 2012, 05:32 PM
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#5
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
Okla, I try applying 2 new card, Ambank and Maybank.
Need to do BT already. PMed Maru to help |
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Jan 11 2012, 04:41 PM
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#6
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
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Jan 12 2012, 10:03 AM
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#7
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
I'm going to BSN later during lunch at KL Sentral to ask about the BT thing as well as applying their cards. Anyone got any question they want to ask related to this?
Btw, I asked Ambank about the 0% BT i mentioned before and it's confirmed that it's only for existing Plat CC holder. :S |
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Jan 16 2012, 11:04 AM
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#8
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
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. |
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Jan 16 2012, 12:52 PM
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#9
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
Of course, but hardly I get offer for PL @ 4.99% p.a.
Even lowest I saw before was 8.88% with Alliance Bank. Probably I'll take this. 4.99% is hard to resist. LOL. |
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Jan 16 2012, 12:59 PM
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#10
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
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Jan 16 2012, 01:03 PM
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#11
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
Lol, good luck then.
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Jan 16 2012, 04:03 PM
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#12
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
^Lol, so jahat meh. I honestly pray they will get, and CIMB will resume their 0% BT
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Jan 16 2012, 09:52 PM
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#13
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
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. |
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Jan 17 2012, 12:04 AM
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#14
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
^ Yea, I think now most attractive is BSN.
Hopefully my application got approved and I can proceed to apply BT. |
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Jan 17 2012, 11:29 AM
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#15
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
This is weird
24 months BT interest is lower than 12 months one http://www.alliancebank.com.my/catalog/pri...gue.aspx?cat=74 |
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Jan 17 2012, 11:43 AM
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#16
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
yea, it's still lower than the 12 months 6% interest.
Or was the 12 months are on reducing balance? |
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Jan 26 2012, 12:03 PM
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#17
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
8. The Bank shall be entitled to debit RM100.00 from the Cardmember’s account for any early settlement of the amount ahead of the instalment tenure. All outstanding instalments with its respective interest/management fee for the entire tenure shall immediately become due and payable in any early settlement. For the avoidance of doubt, any cancellation of the Card shall be regarded as an early settlement under the Programme and the Bank shall similarly be entitled to debit the amount of RM100.00 from the Cardmember’s account and shall have the right to claim and be paid with all outstanding instalments with its respective interest/management fee for the entire tenure, due to the aforesaid reason.
RM100 la for early settlement. I believe that 1.5% are Finance Charge on the outstanding amount, which equivalent to 18%p.a. |
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Jan 26 2012, 03:19 PM
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#18
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
Ambank gift is just to lure you one la. LOL.
Take the minimum BT RM5,000 - Interest RM1,348.50 Gift - SE W8 - RM907 or Gift - Sony PSP 3006 - RM899 RM10,000 - Interest RM2,697.00 Gift - Sharp 40in LCD - RM1,999 or Gift - Sony Xperia Arc RM1899 RM15,000 - Interest RM4,045.50 Gift - Sony Vaio - RM2,699 or Gift - HP TouchSmart - RM2,588 Lol. |
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Feb 11 2012, 04:28 PM
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#19
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Senior Member
2,287 posts Joined: Jun 2007 From: Anno Domini Time Ultra: 1,000,000 Trans Am Attack! |
leng lui promoter?
I apply, citibank rejected, then ask me to resend again (Because i send her salary slip without increment detail |
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