Hi sifus, can anyone enlighten me what is the current BT for new credit card approved for Public bank says visa signature. What are the terms? I cant see any stated in their web site.

Just a quick reply will do. Thanks

New-to-bank customer: BT 12-month 0%

This post has been edited by ronnie: Aug 8 2014, 10:24 AM

Thanks for reply

what is the cl in the first place for both scenarios? 17k?
if your cl is 17k and you bank-in 11k to decrease your 15k outstanding, no problem to do a 10k bt for both scenarios, but provided you did not have any other outstanding bt.

my head already

but he said it's easier to understand this way. lol...

sorry to cause confusion. My total CL is more than 17k, i meant only RM2k left on 1.8.2014 as my account is loaded with more than 20 BTs , 1st BT just cleared, the rests in various stages of repayment.

but now after looking at more records of BTs in relation to available CR .......i think i could be wrong ie i might still be able to do that BT ,even if all that is done after statement out on 10.8.14.i should be able to confirm this with next statement.

very easy, you can check on your own.

1) your total bt cannot be more than 80% of your cl.
2) if your outstanding balance take up more than 20% of your cl, your available amount for bt will be reduced accordingly too.
3) if any of the above happens (no matter before or after your statement is out), you need to pay first to clear up some space for your next bt.

This post has been edited by victorywp: Aug 8 2014, 11:41 PM

double post

This post has been edited by victorywp: Aug 8 2014, 11:41 PM

For the 1st BT you do yes, they go by 80% CL capping, but after you do more and more, it becomes complicated.

I looked at my total BT amount - nearly double my CL!. So far only cleared 1 BT, 5 recent BTs not even started 1st instal. payment. i got a feeling the total unpaid still more than my total CL... could be due to my regular overpaying from the interest free money from PBB.

i did some quick addition on all those unpaid installments- total amount = CL + RM7+k. So more than 100% CL are there in owing.

I feel you, bro.
I'm still trying to reconcile the "Current O/S Amount" and "Total Usage Available" as posted on AEON online screen.
But somehow the "Current O/S Amount" seems lower than my own calculation, so no rush to call them to verify yet.
My understanding is there is no different in term of avail CL before or after statement date, as it is always recalculated as and when we swipe or BT installment posted or payment done.
It will be a pleasant surprise to see your response on total BT is > CL.
But do aware that our total BT will reduce by the month as the installments are posted every month.

maybe because you may have overpaid more than 7k+ from pbb? which is why you able to do bt over 80% of your cl?

OCBC Balance Transfer via Internet Banking
6 months - 1.88%
12 months - 388%

The PBB money was only credited on 12.8.14. Cheque payment date was 7.8.2014, posting date 12.8.2014, i over estimated their efficiency... However my BT was successfully approved as i banked in my out of pocket cash on 6.8.14

Al Rajhi Bank BT Personal Financing

- 6.50-8.99%pa flat rate
- Rate depends on your salary range
- Can get extra cash + settle CC outstanding

Aeon bt work really fast.

Purposely wait till statement out and submit bt form at 11/8 morning 10.39am ..wait till today nobody call me. Feel something wrong as they wont take more than a day.

Call the branch I submit and they cant comfirm me wether sent or not.ask them sent again but they gv reason like the case belong to ppl who attend me n load crap talk n tak kisah atitude.when I tell her I will make complain and foward our record conversation to aeon her atitude turn 180°. Give her 10min to settle and call me back.End up she ask me go there again to resubmit.GDI!

Make call to aeon cs and told the whole incident.ask me email bt form to them.

10.58am sent

1.41pm received acknowledgement email

3.42pm received call to confirm

5.25pm received sms bt approved.

Will update after payment in to mbb.

End of rant.

Yes, AEON BT approval is fast. I always use email.
But payment will take sometime as they use cheques.

i go branch coz wan use cdm so submit there lo...hehe

they might take longer than 5 working days for the cheque to clear, had such experience last time.