If we have a positive funds in CC

Withdrawal fees, yes.
Interest? I think, no.

Because, you are not owing any money to the bank, so I don't think any interest would be levied. Technically, the bank owes you the money.

negative funds in CC, then both withdrawal fees and interest would apply.

direct experience of withdrawing balance from CC, no. and i believe like other mention, cash advance fees will be levied.
Indirect experience, yes.

MBB - I have two cards, I managed to transfer the extra paid amount of money from one of my card to other to offset the outstanding.
OCBC - exceeded payment was sent to my MBB SA via GIRO when I cancel the card. And if i recall correctly, even without cancelling the card, they can transfer any exceeded payment to OCBC SA too.

Thx for all the info. Am now calculating whether it's worth to do so. Will call bank tmrw and see if they can waive the withdrawal fees.

This post has been edited by aaronctchang: Mar 19 2014, 12:40 AM

BT from AEON to RHB.

10 March - Email the BT form to RHB.
11 March - Received verification call
12 March - Received approval SMS and see available balance deducted @ Online banking.
20 March - Payment by cheque reflected in AEON, posting date today, transaction date 18 March.

total 10 calendar days for BT.

It should be settled AEON CC with cheque and it took additional day. Or else it should be less than 10 days for IBG.

hi, i also do the same BT from AEON to RHB with 6 month. today just verified with me.
do RHB charge any admin / hidden charges? thanks

lol u don't know if they charge for this service before applying?

under current promo nothing.

FOC, RM0.00 charge.
unless interest charges if it's not fully paid as per monthly statement.

yes i asked the CS it no any charges. just would like to double confirm as this is 1st time to do BT.

BTW, now i do BT from AEON to RHB. if 3 month later got offer from AEON bank with 0%, can I do a BT again from RHB to AEON again?

thank you.

yes, you can

Public Bank changed their BT rules already to make it worse

check out post #1 which i have updated

glab PBB rejected my application, which i then applied and received RHB non-islamic CC.

no harm having more cc

shit. they removed the 0% 12 months BT

BT from AEON to PBB.

10 March - Email the BT form to PBB.
12 March - Application approved.
16 March - Payment by cheque reflected in AEON.

no verification call or SMS.

Which bank CC u refer? Is it Bank Islam? Bank Islam already stop 0% BT for few month, but that is 6 month 0%.
Or u refer to BSN?

He's referring to Public Bank card

Whn public bank offer balance transfer 0% for 12 months? There is still promotion for balance transfer 0% for 6 months

Previously 12 months BT was offered by Public Bank at 0%. But the amount must be more than 3k (I think, can't remember the exact amount). Only recently PB has withdrawn that.

This post has been edited by Mr Gray: Mar 23 2014, 09:52 AM

wanna ask the balance transfer amount is tied to our CC credit limit or unlimited amount ?

got my answer from the 1st post .. thanks

This post has been edited by xin: Mar 23 2014, 11:01 AM