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 Balance Transfer, What is it actually???

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temptation1314
post Dec 28 2011, 11:21 AM

Specials : 1,000,000 Spam Post Attack
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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 biggrin.gif
temptation1314
post Jan 5 2012, 05:23 PM

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The Ambank BT 0% also got, until end of feb 2012.

Probably I should get that.
temptation1314
post Jan 5 2012, 05:47 PM

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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
temptation1314
post Jan 5 2012, 06:12 PM

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QUOTE(gerrardling @ Jan 5 2012, 05:54 PM)
how come you can get the leaflet since u never deal with ambank before ?
*
My friend just hand it over to me just now, because I was asking him to help find any bank that have attractive BT plan.
temptation1314
post Jan 10 2012, 05:32 PM

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Okla, I try applying 2 new card, Ambank and Maybank.
Need to do BT already. PMed Maru to help laugh.gif
temptation1314
post Jan 11 2012, 04:41 PM

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This is interesting btw.

http://www.mybsn.com.my/pb_bsn_card2_Transfer.html
temptation1314
post Jan 12 2012, 10:03 AM

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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
temptation1314
post Jan 16 2012, 11:04 AM

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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.
temptation1314
post Jan 16 2012, 12:52 PM

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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.
temptation1314
post Jan 16 2012, 12:59 PM

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QUOTE(ronnie @ Jan 16 2012, 12:54 PM)
I did receive a call from HLB offering BT @ 0.45% per month...reducing balance program.
*
Hmm, really later I ask the CS again. I had asked her to call me back 6pm later LOL
temptation1314
post Jan 16 2012, 01:03 PM

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Lol, good luck then. icon_idea.gif
temptation1314
post Jan 16 2012, 04:03 PM

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^Lol, so jahat meh. I honestly pray they will get, and CIMB will resume their 0% BT tongue.gif
temptation1314
post Jan 16 2012, 09:52 PM

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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. doh.gif

Lucky I never agreed to it.
temptation1314
post Jan 17 2012, 12:04 AM

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^ Yea, I think now most attractive is BSN.

Hopefully my application got approved and I can proceed to apply BT.
temptation1314
post Jan 17 2012, 11:29 AM

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This is weird

24 months BT interest is lower than 12 months one

http://www.alliancebank.com.my/catalog/pri...gue.aspx?cat=74
temptation1314
post Jan 17 2012, 11:43 AM

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yea, it's still lower than the 12 months 6% interest.
Or was the 12 months are on reducing balance?
temptation1314
post Jan 26 2012, 12:03 PM

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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.

temptation1314
post Jan 26 2012, 03:19 PM

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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.
temptation1314
post Feb 11 2012, 04:28 PM

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leng lui promoter? tongue.gif Don;t know same or not cause got one girl banker keep calling me to apply =_=

I apply, citibank rejected, then ask me to resend again (Because i send her salary slip without increment detail tongue.gif

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