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Credit Cards Balance Transfer (BT) Plans V2 - Banks Offer List

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TSbrotan
post Aug 28 2013, 01:40 PM

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QUOTE(jasontoh @ Aug 28 2013, 01:39 PM)
Thanks. But the problem is no IBG to Aeon. Need to go there pay.
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Can Ibg via cimb and mbb. 60 sen and rm1 charged respectively
TSbrotan
post Aug 28 2013, 02:26 PM

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QUOTE(jasontoh @ Aug 28 2013, 01:43 PM)
Wow. So freaking expensive. What about if I BT the AeonCredit amount to Pbbank. Will they accept it?
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good question. never tried before

anyone has experience?
TSbrotan
post Aug 28 2013, 02:26 PM

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QUOTE(AaIto @ Aug 28 2013, 01:40 PM)
Last 2 wks I went to Bank Islam Branch to enquire bout 0% BT thru their cc, the the officer said promo ended...
So *umb, shiupit & ignorant bugger!!!  vmad.gif
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did you call CS to verify that?
TSbrotan
post Aug 28 2013, 02:28 PM

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QUOTE(peri peri @ Aug 28 2013, 02:06 PM)
wow, 40k, says BT limit is 50% of CL, then your cc CL is around rm80k.

how much income per month to eligible for rm80k CL?

mine the max still rm15k only. how come?
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normally BT is 80% of available balance

so if he didn't owe any money to them before, then credit limit will be 50k
TSbrotan
post Aug 28 2013, 02:42 PM

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QUOTE(peri peri @ Aug 28 2013, 02:33 PM)
haiz so sad,

both my BT for SCB and CIMB only allow up to 50% of my CL
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bro, the 80% is based on available balance, not credit limit

so if your CL = 20k
you still owe = 4k

then you can max BT 80% of (20k - 4k)
TSbrotan
post Aug 28 2013, 02:48 PM

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QUOTE(peri peri @ Aug 28 2013, 02:45 PM)
i understand how the wonder works. just that SCB and CIMB offer are quite low compare to your 80% on available balance. But better than nothing although both are 6 months tenure @ 0%.
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i guess yours is limited to new card application? in this case, then maybe that's why the amount can be also special laugh.gif
TSbrotan
post Aug 28 2013, 02:52 PM

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QUOTE(AaIto @ Aug 28 2013, 02:48 PM)
Nope, I went to RHB instead. They lost a customer...
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http://www.bankislam.com.my/Documents/BIC-...sfer-070613.pdf

still got lah bro

that officer blur2 one
TSbrotan
post Sep 10 2013, 08:49 AM

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QUOTE(Denwcp @ Sep 9 2013, 11:32 PM)
I'm currently looking for balance transfer for amount of RM10000 from my citibank card. Preferable 12 months , <3% yearly.

Please kindly contact me if you have any offer o16-477o677

Thanks.
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1st off you need another bank credit card. which credit that suites your need, pls refer to post #1 (Note : Pls double confirm with the bank that you are interested before you proceed to ensure it is accurate)

Secondly, you need to ensure your credit limit must be min 13k as normally BT allow max 80% of available credit for BT

Lastly, there is a processing time before releasing the money to pay citibank. fast or slow depends on the bank. to be safe, 2 to 3 weeks. so you need to consider paying off 100% or partly of the 10k with your own money while waiting for the BT to be approved

TSbrotan
post Sep 10 2013, 04:15 PM

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QUOTE(sj0217 @ Sep 10 2013, 02:40 PM)
Just would like to check with you guys, is there any BT for HSBC bank? because I cannot found on the first page.

Between, what is the process for BT?

Based on my understanding, fill up the form and submit by fax or email, the bank will then be process and could be done within 1-2 weeks but is depend, is this correct?

is this can be done through phone call??
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hsbc got bt but i didn't put it in yet (don't know why hmm.gif )

so far my personal experience, you can't do bt over phone. fax definitely can. some banks can accept scanned and email

1 to 3 weeks depend on bank
TSbrotan
post Sep 11 2013, 02:56 PM

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anyone experiencing non stop email notification of new post for this thread?
TSbrotan
post Sep 11 2013, 03:06 PM

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QUOTE(ronnie @ Sep 11 2013, 03:04 PM)
Go Change the notification under Subscribed Topics area (My Controls)
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not to unsubscribe

sj0217's last comment keep giving multiple email notification
TSbrotan
post Sep 13 2013, 11:01 PM

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QUOTE(nothingz @ Sep 13 2013, 10:17 PM)
does BT has any impact on my credit record? i have outstanding of 1k plus at MBB which has not due (i am able to settle anyway) but since CIMB is offering 6 months 0% BT, i am considering whether to take up the offer.

so any advice?
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If you plan to take a loan, it might have impact as they will consider how much you still owe to determine your eligible monthly repayment

If you not planning to take a loan, then no issue
TSbrotan
post Sep 26 2013, 03:11 PM

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QUOTE(sj0217 @ Sep 26 2013, 02:55 PM)
How is the charge for CIMB BT ??

Currently no information in the first page. Maybe can update detail in the first page??
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Cimb for new customer only
TSbrotan
post Sep 28 2013, 02:23 PM

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QUOTE(andylol @ Sep 28 2013, 02:12 PM)
Hi, I just received my public bank visa classic card, the credit limit only 6K, I knoe the new apply can apply the balance transfer in 0% fees and int, anybody agent can help me increase my credit limit b4 I apply the balance transfer?
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Normally need certain time period (normally 6 to 12 months) they will consider to increase your limit

Also depends on your usage and payment pattern
TSbrotan
post Sep 28 2013, 05:55 PM

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QUOTE(andylol @ Sep 28 2013, 05:42 PM)
So I have public bank, uob, and cimb. Any agent here can help me apply balance transfer in others bank. Pm me plz.
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Why you need agent?

The process is simple. Fill up form and fax over your application. Some banks require your cc statement to be faxed over also

Btw to apply bt, you need to that bank cc first. No other way around it

This post has been edited by brotan: Sep 28 2013, 05:56 PM
TSbrotan
post Sep 28 2013, 08:56 PM

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QUOTE(andylol @ Sep 28 2013, 08:35 PM)
I need money and lower interest.
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Huh? You mean you think agent can help you make the process faster or get better rate than what's listed?
TSbrotan
post Sep 28 2013, 10:06 PM

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QUOTE(andylol @ Sep 28 2013, 09:40 PM)
Yes.
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Lol. You can try and let us know how it goes

biggrin.gif
TSbrotan
post Oct 11 2013, 10:30 AM

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QUOTE(peri peri @ Oct 11 2013, 09:12 AM)
call for cash, I get rm12k for 0% interest on 6 months installment but with 2% one off charges
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hi bro

which bank is that?
TSbrotan
post Oct 11 2013, 03:59 PM

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QUOTE(peri peri @ Oct 11 2013, 03:51 PM)
OCBC
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Ok. Thx
TSbrotan
post Oct 12 2013, 04:15 PM

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QUOTE(DrOzzz @ Oct 12 2013, 04:11 PM)
Dear All sifu,

Reading from recent post, i got a question to ask
i planning to buy smth which is worth of almost 7k and i need a 24 month installment plan with lesser interest.

i only have a maybankard2 and maybank visa ..

Any idea how to minimize the interest ? which bank interest lower ? should i do balance transfer ?

i done a small survey where currently CIMB is offering 0% interest for 6 month ..... But i need 24 month as the amount is kind of big for me..
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balance transfer from bank A to bank B

can't BT bank A to bank A even if 2 different cards

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