lol ya i suppose the banks are betting that you will spend the extra cash. So basically i can just BT all my credit card usage to AEON and get away with interest free instalment.

And i read that i do get points for BT rite?

For AEON you get 1 point per RM1 BT.
In the above example, you get 333 points for 6 months.

Thank you so much sir, off i go into the BT world

good luck but be careful. or you might end up worse doing BT than you don't

Noted - keep the cash safe, earn point and keep an eye on the deadline

This post has been edited by bearbear: Jul 3 2013, 12:18 AM

Guys need some advise

My CC payment is due on 16th July, counting today that is about 10 working days only. Worth the gamble?

M2K BT to AEON

This post has been edited by bearbear: Jul 3 2013, 09:28 AM

May not make it... AEON is very slow.
My personal experience: mine managed to squeeze thru..... there's 1-2 days grace from MBB before Interest sets in (Not with HLB)

This post has been edited by ronnie: Jul 3 2013, 09:30 AM

Ya i suppose better not, don't want to incur unnecessary charges.

Next month then

You can still apply bt first and if you check 2 days b4 due payment not in , then pay yourself first

Later payment arrives, you will have extra money in your cc

So next month you can use that money with normal cc swipe

from my last transaction, BT from M2K to AEON took 11 days.. if you want to be safe, straight away BT when you receive statement..

Noted, just realized this BT function last night

Or in fact can apply for BT once i swipe something big already

Guys need advice,

my hong leong now have 6k debt
and i have an aeon cc.

should i bt from hong leong to aeon? but aeon only offer 6mnth 0% interest. i cant pay off 6k in 6mnth

or any other card sifu here can recommend?

This post has been edited by blur_goofy: Jul 3 2013, 11:41 AM

You can bt first to aoen. That will give you time to figure out your next step what to do

There are banks offering 1 to 2 years bt plan

Pls check post #1

You are getting deeper into debt hole.... better to BT to AEON and STOP using any Credit Card for 6 months

i tried to call CS last time, the CS told me there is 1-2 grace day for late payment charge
but the interest charge will kick in and will have no grace day
i not sure if this is correct or not

Which bank's CS did you ask ?
How would AEON know about other banks's grace period ? AEON CS don't even know their own product very well.

Just got call from AEON asking for CC statement as supporting for BT

Normally bank has grace period after due date. each bank is different, so you need to find out. Example, pbb allows 2 to 3 days grace period after due date

Another thing. normally from my experience, if you are not frequently paying late, even if you pay after the grace period and they charge you interest, it is also of no issue. Just call up the bank cs, explain the situation (bt processing late, forgot, etc) and ask for waiver

so far all the interest that they charge, when i ask for that, they credit back the interest for next month statement

of course that is depending on the bank lah. but imo, as long as you are not chronic late pay master, they will comply

for AEON BT, you can only BT up to amount in the CC statement.. that's why they ask for your CC statement.. another thing, the max amount to BT is 80% of your AEON CC credit limit..