that one is for bank islam bro. pls read carefully

for this case, if you BT RM 1k, then this is the min monthly repayment (on the BT only. Retail purchase repayment you need to pay in full or else you will be charged interest)

1st mth : RM 50
2nd mth : RM 50
3rd mth : RM 50
4th mth : RM 50
5th mth : RM 50
6th mth : RM 750

if you still pay RM 50 on the 6th month, then you owe the bank RM 700 after the completion of the BT program and they will charge you normal cc interest rate which is totally a no no

Anyway, best you call their CS and double check. Don't trust me only. I may have wrong understanding and give you wrong info

cant tahan. i dont own the card which has 0% BT. how good if CIMB and MBB continue have that. i am sure they would be able to earn tonnes of monies and clients

apply for AEON la

This post has been edited by ruben7389: May 25 2012, 10:41 PM

haih not interested in that bank...

BSN (i know they are not so "hot") but if you put aside emotion, they offer great BT value

Try apply Standard chartered cash one platinum ~

Sorry meant to type AEON but it was early in the morning mate

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Added on May 25, 2012, 10:44 pmI totally agree with you. I only have one concern here to be honest... When i request for Balance transfers, do I need to chase up periodically? cos I do chase up AEON when I request for BT's but AEON quite responsive. BS* on the other hand Im not sure.

Whats your experience been so far?

Anyone else can share?

This post has been edited by ruben7389: May 25 2012, 10:44 PM

I don't know about other banks but my experience is to send in the application by email is the best way

And B*N will send the payment to other banks reaching before due date?

Came across 2 offers of BT plan from my UOB Credit Card agent :-

1. 6 months repayment with 0% interest rate applied
2. 12 months repayment with 1% interest upfront payment applied.

Sounds reasonable aite ?

This post has been edited by HughieRmX: May 26 2012, 05:58 PM

Bro

Is this the latest promo or only for selected customer?

According to her - its meant for existing customer but I've got the opportunity to apply for it but it doesn't appear on the website also ..

Can you further elaborate? For #2, is it 1% upfront and 12 months 0% interest BT?

According to what she mentioned to me yesterday, an example of the following :-

- Balance transfer amount of RM4,000
- 1% Upfront payment which is RM40
- Total will be RM4,040 and divided 12 months repayment, must be punctual if not it will be revert back to the ordinary credit card interest rates.

The above offer was offered to me for New-To-Bank customer... maybe now offer to selected existing customer.

Perhaps you are right Ronnie ..

The problem if UOB doesn't provide a separate BT account , you cannot use the UOB CC as the BT balance will incur interest charges every month if you settled all retail purchases on time

Just be careful.

Hmm .. I guess this is what happened to my HLB CC whereby the BT amount will fall under one account and interest rates will be charged from time to time without my notice. Compare to the CIMB of mine, its a totally different approach ..

Should avoid BT program which lumps the BT amount + Retail amount in same CC account

Got it ! ..
Will take note of that ..