I see,time to apply for 1 then

mine is 3.9% pa

TGV/GSC on friday rite?

Bro, existing members? How do you get that rate?

bro,

just becuz you get (or try to get a card) with discount offers, doesn't mean you must use it for BT if their BT plan is not good. You will save less this way

if you can find a card with good BT + good discount, that is fine (so far i can't find it )

but if you can't, better get a card that specialize in BT and another specialize in discount

new member.
Just got the card early this month

Let say if I cash advance from hl bank essential credit card about 2% processing fee, and after that cover it using balance transfer 0% interest offered by pb bank, is it workable to gain lowest interest rate???

Would very appreciate some sifu here can enlightened me up

The Cash Advance will start charging interest (up to 10.8% p.a.) from the day you get the Cash from your Credit Card.
It's 2% processing fee, not for the time to clear the Cash advance lah

This post has been edited by ronnie: Jun 20 2012, 10:40 PM

not understand, if cover the the cash advance using bt and fast enough? can or cannot

bro,

when you withdraw cash from cash advance, on top of the 2% processing fee, the bank immediately charge you interest ranging from 12% to 18% per year (depending which category you are) starting from the withdrawal day

and even if you bt that amount to pbb, normally will have like 10 working days to approve

which means you are paying 12% to 18% per annum for the 10 working days your PBB haven't pay HLB

unless you actually really need advance cash, that is different story

This post has been edited by brotan: Jun 20 2012, 11:00 PM

ic, no. I not urgently need money. Just finding what is the best way to get some low interest cash.

since it take 10 days to process, I worry it is not enough time already for this method because the pbbank 0% bt will closed end of this month.

I think apply personal loan is the only way to get cash now

bro,

personal loan? that even worse, their interest higher.

seriously all the method you are proposing here doesn't make sense at all

only way it can make sense is you need cash right now

yes, you are damn true.

---

Added on June 22, 2012, 10:20 pmlols, I had apply hongleong essential card edi..
they said can direct transfer the credit card money into saving account.
Plan to bt it to pbbank 0% interest program which end 30 Jun
Maybe not fast enough, from time bring I get to know this kind of info quite late

This post has been edited by Epoche: Jun 22 2012, 10:20 PM

Some bank did provide this kind of cash transfer through the credit card available credit limit.

For example, Hong Leong call it Balance Transfer Plus, interest from 0.4% per month. Here is the link
http://www.hlb.com.my/pfs/cc/ccbt.jsp?flag=ccbt

Hong Leong Balance Transfer
Put all your worries away and start transferring your outstanding balance to your Hong Leong Credit Card to enjoy Greater Savings. To enjoy an incredible low interest rate for up to 1 year, just transfer your outstanding balance from other credit or charge cards to any Hong Leong Credit Card. Or, choose to have the loan amount credited into your savings or current account at Hong Leong Bank or at any other banks via cheque or Inter-Bank Giro

has anyone here applying bank islam CC through online... i've just applied it and waiting some one from Bank Islam to contact me...

Hopefully can get fast approval with my wish credit limit... so that i can do balance transfer...

As far as I know, PBB and HLB allows BT without outstanding balance. Anyone know if SCB/Alliance/Bank Islam/BSN allows that?

I already submit my new cc application together with BT form to BSN (post direct to BSN HQ)

Until now, the card not yet ready...I call, they said the application was approved but still processed

It has been a month i submit a form..
If apply maybank, 1 hour already finish..huhu

Hope my BT will be approved also..

Too high demand due to promotion info available on this thread

Lol

Puji diri sendiri nampak..lol

Btw, it quite difficult to find a suitable card for me to do a BT.

Need to consider their annual fee waived or not. Whether it islamic card or not..


Btw thanks to this thread..haha - (have to puji TS, or later he merajuk, didn't want to update this thread anymore)

So far AEON serve me very well for BT. If you are looking for Islamic, why not take Bank Islam?

if i merajuk, i terus kolos. haha