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Credit Cards Balance Transfer (BT) Plans V2 - Banks Offer List
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TSbrotan
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 Aug 14 2012, 10:23 AM
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QUOTE(asamalikum @ Aug 14 2012, 10:15 AM) really needs to cut down spending. but then it's manageable after all. we are buying things fulfilling our desire more than our needs. once you get that under control, you'll be fine. Trust me, it can be done. thank you CIMB for not offering further 0% BT (a lot of ppl probably gonna flame me on this). bro (or are you sis?  ), I salute you can cut down 6 digit debt to 0  can know how long you need to clear? |
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TSbrotan
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Sep 3 2012, 05:35 PM
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QUOTE(lamode @ Sep 3 2012, 05:30 PM) this one only for new customer bro i only update for existing customer ones. haha |
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TSbrotan
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Sep 20 2012, 03:23 PM
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hi guys,
Sorry for being silent for a long time. been busy
just called bsn. their nice BT still on lah. will be the same as last time. their site to be updated soon.
cheers
Added on September 20, 2012, 3:34 pmupdated alliance bank. their promo rate discontinued. just normal BT plan
This post has been edited by brotan: Sep 20 2012, 03:34 PM
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TSbrotan
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Sep 20 2012, 03:49 PM
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QUOTE(bxblade @ Sep 20 2012, 03:45 PM) seriously? i just email them last week, they said the program was stop for the time being, if they continued then it will good then  just called them 1 hour ago. i ask them about the BT promo ended and webpage removed. they say still got and website will be updated soon i think maybe the "stop for the time being" is only a few days only. haha |
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TSbrotan
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Sep 24 2012, 10:48 PM
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QUOTE(seanlee89 @ Sep 24 2012, 10:02 PM) Hi, I'm new to bank transfers and would just like to ask sifus here a question. Do I have to apply for new credit card when I do a bank transfer? and will new cards get like additional charges when I tranfer? as I read it on the CIMB 6 months 0% interest. Thanks! you need credit card from at least 2 different banks to do BT. one bank BT to another |
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TSbrotan
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Sep 25 2012, 04:33 PM
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QUOTE(seanlee89 @ Sep 25 2012, 04:18 PM) Thanks for the reply, sorry I wasn't specific in my reply. My meaning is when I apply for a new credit card and I straight away do a bank transfer to it. Will there be any additional charges? in general, doesn't matter new or old card, if got charges both situation will get charged. if no charges, both situation will not be charged some banks offer good BT rate to new card holder (eg like cimb offering now) so in short, check with the bank directly. you can check post #1 as a reference |
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TSbrotan
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Oct 2 2012, 10:51 AM
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QUOTE(fookiat @ Oct 2 2012, 10:42 AM) the scenario, Bank A - oustanding 4k, cc limit 5k Bank B - oustanding 4k, cc limit 5k Bank C - oustanding 3k, cc limit 5k I want to do Balance Transfer to Bank D. Is it possible? Because my cc limit is only 5k for all the banks. what's your Bank D cc limit? |
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TSbrotan
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Oct 16 2012, 04:11 PM
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QUOTE(jack2 @ Oct 16 2012, 11:39 AM) Wonder PBB does have e-mail address so the BT form can be emailed instead of fax or post? Yes have. I also scan my application and email to them. You can check their website for the address |
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TSbrotan
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Oct 23 2012, 08:06 PM
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QUOTE(writeprotect @ Oct 23 2012, 05:52 PM) Hi brotan or all sifu, Im not really clear abt this BT. From the 1st page link given for the standard chartered bank. I saw if i make rm3k BT then i will need to pay rm231*12mth So total of payback is only rm2772.. Is it just that? Or there any other charges? i just dnt beleived it. BT rm3k then payback only rm2772 only in 12mth?sorry for noob q Just worry of any other charge.
Added on October 23, 2012, 5:53 pmthe rates given in pg 1 is just a reference rate given by bank each bank has different was of handling BT repayment topics so it is best you refer back to your bank for details |
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TSbrotan
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Oct 30 2012, 08:36 AM
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QUOTE(Eng_Tat @ Oct 29 2012, 09:02 PM) any one can advise which bank is good to apply for new card and do bt? BSN BT rate also quite good but they are slow |
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TSbrotan
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Nov 2 2012, 11:16 PM
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QUOTE(codeiki @ Nov 2 2012, 07:09 PM) Is it possible to balance transfer other people credit debt to my credit card? Nope. Only to the same account holder name |
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TSbrotan
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Nov 21 2012, 01:23 PM
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QUOTE(MugenK20A @ Nov 21 2012, 11:17 AM) Received call from HSBC 10min ago. 3% for 1st time & 0% for the balance mth onwards. Never asked for more info coz i got no balance to transfer is it for new or existing customer? |
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TSbrotan
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Nov 21 2012, 02:24 PM
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QUOTE(kurtkantoi @ Nov 20 2012, 01:18 AM) Anyone know if I do another BT from same bank if I already had BT from the bank. hi don't get it what you mean if i understand you correctly, you can do as many BT as you want on the same bank as long as your available credit limit is enough
Added on November 21, 2012, 2:38 pmUpdated maybank BT plan This post has been edited by brotan: Nov 21 2012, 02:38 PM |
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TSbrotan
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Nov 21 2012, 02:57 PM
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Ambank, MBF BT updated
This post has been edited by brotan: Nov 21 2012, 03:12 PM
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TSbrotan
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Nov 21 2012, 04:47 PM
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QUOTE(leafy @ Nov 21 2012, 04:34 PM) Year End Sales is here ma...  i also BT- ed 3 times jor since i applied this AEON Card not long ago until my credit limit left 20% only and now cannot do any BT anymore...   need to be careful. over use of BT will have bad effect on your health (note : heart attack) This post has been edited by brotan: Nov 21 2012, 05:01 PM |
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TSbrotan
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Nov 21 2012, 05:01 PM
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QUOTE(leafy @ Nov 21 2012, 04:53 PM) yeah fully understand of the cause and risk also... so right now have to stay extra kwai kwai at least for another 4 months to settle this old debts....  Good luck to be kwai kwai  |
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TSbrotan
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Nov 22 2012, 10:23 PM
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QUOTE(uhlaw @ Nov 22 2012, 10:14 PM) That means application for 12 mths BT is more worthy as only 3% upfront charge incurred. For example = RM1,000 x 3.0% = interest only RM30 there are other more worthy offer from other banks if you check the first post |
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TSbrotan
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Nov 23 2012, 02:18 PM
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QUOTE(owenwong84 @ Nov 23 2012, 01:20 PM) Hi guys, When getting BT, the most common question to ask is early interest, interest per month, minimum payment per month or installment per month, early settlement penalty, consequences of miss payment or default, existing or new customer rate. What else did i miss? another question to ask (the most important imo) What's the purpose of doing this BT? To reduce interest or to help fuel my future spending which i can't afford? |
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TSbrotan
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Nov 23 2012, 04:05 PM
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QUOTE(owenwong84 @ Nov 23 2012, 03:08 PM) Of course to clear off debt with lower interest.  |
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TSbrotan
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Nov 27 2012, 08:38 AM
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QUOTE(solsekuin44 @ Nov 27 2012, 01:00 AM) What if I want to change to a different card, same bank? Maybank? Don't get it your question You mean you want to do BT within the same bank (Maybank to Maybank)? If that's what you mean, the simple answer is you can't do BT to the same bank. Maybe there are such cases but rare |
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