You can bt first to aoen. That will give you time to figure out your next step what to do

There are banks offering 1 to 2 years bt plan

Pls check post #1

Normally bank has grace period after due date. each bank is different, so you need to find out. Example, pbb allows 2 to 3 days grace period after due date

Another thing. normally from my experience, if you are not frequently paying late, even if you pay after the grace period and they charge you interest, it is also of no issue. Just call up the bank cs, explain the situation (bt processing late, forgot, etc) and ask for waiver

so far all the interest that they charge, when i ask for that, they credit back the interest for next month statement

of course that is depending on the bank lah. but imo, as long as you are not chronic late pay master, they will comply

for pbb, they don't ask for your statement. you can bt higher amount that your cc statement amount

pbb can email the scan copy. aeon i don't know

I would advice you call the bank directly in this case

SCB in this case

yes you can

just to make it clearer, i will give you a simple example

UOB free installment purchase - RM 3600
monthly installation for 36 months - RM 300
this month normal swiping amount - RM 1000

so every month, UOB will charge RM 300 and reflected in your statement.
That RM300 I assume will appear together with your other monthly swiping

So total due for this month - RM 1300

you can BT RM 1300 in this case

Hi ronnie,

you are faster than me

can't do it? can explain why? can't brain this

i am not sure why ronnie said can't, still pending his feedback

if you have zero interest installment plan for 3 years, that's very good plan. why you want to bt lump sum?

Oh you mean, you want the new bank to "take over" the entire installment plan given by UOB?

that one can't do lah

You're welcome

yeah i got it after she explained. me kinda slow poke

+1 . balance transfer is a unique cc feature

Plan C - just 3% one time fee. so total interest = rm 60
Plan D - 0.375% for 24 months. So rm180

pls refer to post #1

all info there

Office fax can't use?

You can snail mail to them also (haven't tried), but will be slow and not guarantee they will receive on time (possible lost in mail)

Most bank treat multiple cc from same bank as single entity

Not sure about aeon

you sure it is 1k per application and not 1k per bank?

called them. you are right. 1k per application

yes you can if cimb offer it

As I know cimb offer to new customer only

But you can call their cs to confirm