Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Balance Transfer (BT) Plans V2 - Banks Offer List
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 Jun 28 2013, 11:40 PM
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All Stars
21,308 posts Joined: Jan 2003 From: Kuala Lumpur   
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QUOTE(evilspeculator @ Jun 28 2013, 05:37 PM) UOB new customer. 0% for 6 months. 1% for 12 months. BT up to 80% of credit limit. Cannot early settlement....   Must pay on the last date to avoid early settlement fee or late payment interest |
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Jun 30 2013, 05:40 PM
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Junior Member
60 posts Joined: Sep 2009 From: KL
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Took SCB 0% BT, two weeks to approve and credit. Too long I've already settled the amount due to avoid charges
This post has been edited by jwwc: Jun 30 2013, 05:40 PM |
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Jul 1 2013, 12:14 PM
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Junior Member
440 posts Joined: Apr 2005
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are u a new card member within 6 month range of application
not sure if i call and request the 0% BT , old SC member .. |
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Jul 2 2013, 02:33 PM
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Junior Member
202 posts Joined: Jul 2011
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I went to Bank Affin & Bank Islam, wanted to apply their cc for BT, but sadly both Bank don't offer 6mths 0% BT anymore...
Does anyone know any other Bank stil offer 0% BTs???? TQTQ |
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Jul 2 2013, 02:52 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(AaIto @ Jul 2 2013, 02:33 PM) I went to Bank Affin & Bank Islam, wanted to apply their cc for BT, but sadly both Bank don't offer 6mths 0% BT anymore... Should be still haveDoes anyone know any other Bank stil offer 0% BTs???? TQTQ Maybe you can call their cs to double confirm |
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Jul 2 2013, 03:27 PM
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All Stars
26,522 posts Joined: Jan 2003
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Just sharing, new UOB card applicants is offered 0% balance transfer, valid 30 days. Need to start reading what is this BT stuff.
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Jul 2 2013, 05:37 PM
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Senior Member
3,180 posts Joined: Jun 2009 From: Borlänge
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5) Bank Islam - 6 mths, 0% fee, 0% interest / yr, Min - RM 1k per bank. Valid until : 31/12/13
6) Affin - 6 mths, 0% fee, 0% interest, Min - RM 5k per bank. Valid until : 31/5/14 wah, anyone sure there is no extra charge? |
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Jul 2 2013, 06:32 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(endau02 @ Jul 2 2013, 05:37 PM) 5) Bank Islam - 6 mths, 0% fee, 0% interest / yr, Min - RM 1k per bank. Valid until : 31/12/13 Well you can call the bank to confirm and feedback in the thread6) Affin - 6 mths, 0% fee, 0% interest, Min - RM 5k per bank. Valid until : 31/5/14 wah, anyone sure there is no extra charge? |
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Jul 2 2013, 10:49 PM
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Senior Member
1,043 posts Joined: Apr 2011 From: Klang Valley, Kuala Lumpur
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QUOTE(ronnie @ Jun 28 2013, 11:40 PM) Cannot early settlement.... i got around RM3.xk at my uob, now i wish to transfer to public for around 6 month with 0 interest...Must pay on the last date to avoid early settlement fee or late payment interest Should i do it before due date of my uob credit card payment or can be later? by just charging me some late payment interest.. |
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Jul 2 2013, 10:51 PM
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Senior Member
1,043 posts Joined: Apr 2011 From: Klang Valley, Kuala Lumpur
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QUOTE(brotan @ Jun 13 2013, 11:15 AM) what i mean is if you do bt, you would have extra cash in hand. Good in the sense if you put in FD or your flexi home loan account. will earn / save you lots of interest Hi, may i ask some about leveraged??however, once you do this bt over and over again (yes, you can BT from Bank A to B, then next month B to A, repeat...), you will have lots of "cash". These cash will tempt a lot of people to spend (instead of save) At the end of the day you would have to pay the amount you owe the bank due to BT with your own cash (you can't BT forever, there is a limit). So, if you spend instead of saving the BT money, you would have no cash left to pay them, and now they will charge you standard credit card finance fee (12% to 18% PA). This is when your nightmare starts Of course, if you have confidence to clear your cc debt on time all the time, then this is no issue which means i use creditcard to cash out some cash by ATM then i BT to other bank? |
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Jul 2 2013, 11:16 PM
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All Stars
26,522 posts Joined: Jan 2003
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QUOTE(iAlien @ Jul 2 2013, 10:51 PM) Hi, may i ask some about leveraged?? not a good idea. you are aware that cashing out cash using CC will incur charges right?which means i use creditcard to cash out some cash by ATM then i BT to other bank? |
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Jul 2 2013, 11:18 PM
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Senior Member
1,043 posts Joined: Apr 2011 From: Klang Valley, Kuala Lumpur
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QUOTE(Human Nature @ Jul 2 2013, 11:16 PM) not a good idea. you are aware that cashing out cash using CC will incur charges right? i checked both uob and public bankcash advanced charging 5% and 18% p.a Daily..wao  |
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Jul 2 2013, 11:20 PM
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All Stars
26,522 posts Joined: Jan 2003
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QUOTE(iAlien @ Jul 2 2013, 11:18 PM) i checked both uob and public bank yeah, deeper hole dude cash advanced charging 5% and 18% p.a Daily..wao |
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Jul 2 2013, 11:24 PM
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Senior Member
1,043 posts Joined: Apr 2011 From: Klang Valley, Kuala Lumpur
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QUOTE(Human Nature @ Jul 2 2013, 11:20 PM) yeah, deeper hole dude icicbtw, can help on my question? QUOTE(iAlien @ Jul 2 2013, 10:49 PM) i got around RM3.xk at my uob, now i wish to transfer to public for around 6 month with 0 interest... i got the cash, just that i think the cash need for emergency purpose...Should i do it before due date of my uob credit card payment or can be later? by just charging me some late payment interest.. this month kind of unluck, cant get any payment from client  |
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Jul 2 2013, 11:26 PM
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All Stars
26,522 posts Joined: Jan 2003
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^ unfortunately i cant. i dont even understand the concept of BT
 someone else will come and advice you |
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Jul 2 2013, 11:29 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(iAlien @ Jul 2 2013, 10:49 PM) i got around RM3.xk at my uob, now i wish to transfer to public for around 6 month with 0 interest... of course before due date lahShould i do it before due date of my uob credit card payment or can be later? by just charging me some late payment interest.. or else uob charge you interest btw do take note after you apply bt, got some cycle time for processing before money release. for pbb about 1.5 week This post has been edited by brotan: Jul 2 2013, 11:30 PM |
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Jul 2 2013, 11:53 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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What you guys are doing is transfer your credit card debt to monthly payment without interest?
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Jul 2 2013, 11:56 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(bearbear @ Jul 2 2013, 11:53 PM) What you guys are doing is transfer your credit card debt to monthly payment without interest? without or low interest but in principle you are right |
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Jul 3 2013, 12:02 AM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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Now this is interesting.
Please bear with me and help me understand further with the 2 cards i have. Card 1: Maybank 2 Card Card 2: Aeon Gold Say i spent 2k on M2C, i can do BT to my Aeon Gold and how does the repayment work for 0%? Basically delay the whole payment while you can earn interest with FD or whatever investment?  This post has been edited by bearbear: Jul 3 2013, 12:07 AM |
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Jul 3 2013, 12:07 AM
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All Stars
21,308 posts Joined: Jan 2003 From: Kuala Lumpur
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QUOTE(bearbear @ Jul 3 2013, 12:02 AM) Now this is interesting. For AEON BT program, the amount RM2000 will be divided by 6 months : RM333.33 per month.Please bear with me and help me understand further. Card 1: Maybank 2 Card Card 2: Aeon Gold Say i spent 2k on M2C, i can do BT to my Aeon Gold and how does the repayment work for 0%? Basically delay the whole payment while you can earn interest with FD or whatever investment? Each month this amount RM333.33 will appear as acharge in your AEON statement. Failure to pay your CC statement on time before Due Date, you will be charge late interest of 18% p.a. So basically, it makes the amount similar to 0% EasyPayment Installment. If you can make more money with your RM2000, that's good. |
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