Balance transfer means used one credit card to pay for another credit card. so you call one bank credit card department to pay another bank credit card.

you still can use your cc because maximum bt is only taken off 80% of your cl.

BT to PBB, doesn't require CC statement.
Done mine last month.

anyway else if i only have one credit card..

my limit is 6k and i use it all
dont think that still can use

with 6k cl, you only can bt 4.8k, so you still can use 1.2k.

i know i can only take out 80%
but i only have one CC. anyway else?

i know i can only take out 80%
but i only have one CC. anyway else?

you need to have 2 cc only can bt.

No need. You are free to go with just BT form!!

I want to BT from AEON Watami to PBB also.
Anyone experienced how many working days it took?
PBB CS told they will pay AEON via internet and not cheque...
And also which email id you guys sent your forms to? It is not stated on the form..

This post has been edited by tbheng: May 24 2014, 09:29 AM

Basically you can put any amount then ?

My understanding is anything between the min amount and 80% of your available CL.
But one would not over pay the cc too much to cause extra credit in the BT-from cc.

This post has been edited by tbheng: May 24 2014, 11:07 AM

can't recall how long they took, should less than 7 working days.
i sent the form to pbcs_online@publicbank.com.my

U got lifehack skill there, teach me master.

I tot cash advance from cc will charge % automtically? I want to know more

I wan fully utilize cc n bt to gain more money in fd

This post has been edited by David900924: May 25 2014, 01:02 AM

Based on your available 80% credit limit, ronnie..lol

This post has been edited by leo_kiatez: May 25 2014, 04:00 PM

I had nvr tried BT from PBB to Aeon. Anyone here can confirm whether PBB's BT use cheque or IBG to pay Aeon?
I used fax for BT at PBB. Basically quite fast..within 1 week.

Anyone have experienced before delayed PBB's BT installment charge? As my case, I was charge on 14th on each month, but up to now not reflected in unbilled statement this month!! Will I be charged with interest if PBB don't bill me the BT installment during statement date?

This post has been edited by leo_kiatez: May 25 2014, 10:53 PM

Guys, I am considering BT from MBB to: (i) BSN (ii) PBB
My plan is to opt for 9-12 months plan. However, based on my estimation, I might be able to pay off in month 3 or 4.

Therefore, I'm considering the early termination clause... which I do not understand very well.

BSN
In the event of early termination of the BT Program, the whole balance of the instalment amount which includes the outstanding principal and interest/facility fees will be charged to the Cardholder’s account.

0.3%/month


PBB
Early Settlement Fee of RM100 will be charged if the Cardmember terminates or discontinues the programme by making full payment for the Approved Balance or such outstanding thereof prior to the expiry date of the credit scheme duration.

2% up front interest

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For my exit plan, I think PBB offer better settlement than BSN? Am I correct?

Why don't you just go with PBB 6 months 0% plan?

And settle it in 6 months rather than settle early... so no need pay early settlement fee.
Also, I doubt you need to pay early settlement if you just pay the money to you card account so your card balance is +balance.