Hi

best way is to apply those cards which offer low 0% interest BT. You can refer to the spoiler on post #1. Eg of such offers are from BSN, Aeon, PBB

Let's say you got your PBB credit card. You simply email / fax them your request to BT your existing UOB / MBB credit card. Process is quite simple. I do it tons of time

and from my experience, PBB execution cycle time is one of the fastest

Hope this helps

you are welcome

that one i tak tahu lah

in your case, i think should be ok to get PBB approval

+1

This thread purpose is to help us get back at the bank at their own game. haha

Let's loot the banks together

What Titan_Gunners is trying to say is, BT is like a wolf in sheep clothing

It may look innocent and helpful outside, but inside the bank knows that although there will be some who are wise enough to not fall into their trap, there are many more that will end up in more debts because of BT.

Main reason for that is, ppl will think they got tons of cash (which they don't have) and if they use the money saved from BT to spend on stupid expensive stuff that they can't afford, they are falling into the bank's trap because sooner or later you have to pay back the money you owe, one way or another and if you can't, then you are digging bigger hole than before

This is what the banks HOPE you will do, dig deeper holes so that they can earn more money

BUT if we are wise to utilize BT to save interest (and not getting into bigger debts), then we will be just fine

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Added on November 27, 2012, 4:17 pmnew credit card holder or also for existing?

This post has been edited by brotan: Nov 27 2012, 04:17 PM

sorry yah have to be scary cuz mod got warned me before need to be like that. haha

BT is normally between cards of 2 different banks

like for me, i have cards for rebates (UOB, Maybank Card2Card, OCBC) and i have cards for BT (PBB, BSN)

lol. I really like to earn money from banks

new promo

http://www.maybank2u.com.my/WebBank/BTFormConv_141112.pdf

This post has been edited by brotan: Dec 4 2012, 09:05 AM

marketing tactic lor

i didn't use personally but heard from previous post quite fast BT approval

lol. aeon not bank lah bro

if not mistaken, pay at aeon centre which mostly at jusco

wow, respect lah bro. so canggih

most likely for new customer only

if let's say cc A almost exceed limit, you can't BT to cc A anymore. Normally bank will allow max 80% of available credit balance to BT

but if you have cc B with still got balance, you can BT cc A to cc B

they normally auto renew the BT plan

hi all

how many post then need to go to next version?

Hi all,

A bit embarassed here cuz my question going to be basic question. haha

i am more familiar with the normal fix installment type of BT where the BT amount is chopped into fix amount and you pay evenly in all your BT months. And the banks normally will lump your retail spending + BT due for that month and you need to pay that full amount or else normal interest will be charged on the balance amount you settle

for the reducing interest method, i understand the more you settle earlier, the lower the interest you pay

my question is, i read through that for this reducing interest method, you have to be careful if they have separate account for BT and retail spending vs combine both as 1 account

can someone elaborate with examples how both type works?

thx

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Added on December 18, 2012, 5:19 pmnot desperado bro. this first time i am TS for a thread that is kept alive for so long. so want to know the rules

anyway, still long way to go for V3. haha

This post has been edited by brotan: Dec 18 2012, 05:19 PM

anyone has tried bt to bsn?

i am a bit confused on the procedure

i called CS says only can be done by branch. but my friend says can be done by fax

thx

hi all

i have added a "FAQ" topic on post #1. Just a compilation of frequently asked questions in this thread

hope you find them useful

thx

Hi all,

A bit embarassed here cuz my question going to be basic question. haha

i am more familiar with the normal fix installment type of BT where the BT amount is chopped into fix amount and you pay evenly in all your BT months. And the banks normally will lump your retail spending + BT due for that month and you need to pay that full amount or else normal interest will be charged on the balance amount you settle

for the reducing interest method, i understand the more you settle earlier, the lower the interest you pay

my question is, i read through that for this reducing interest method, you have to be careful if they have separate account for BT and retail spending vs combine both as 1 account

can someone elaborate with examples how both type works?

thx