I already have bank islam & maybank..haha

Need to transfer the amount from those two card..hehe

does ur salary slips verified by your company or not when u submit your application ?

I did ask them about that, they said don't need to verify since i already own credit card before..

What to do, juz wait la..hoho

then what are the documents you submit ? only salary slips and ic ?

credit card form, ic, slip, credit card statement, BT form
What else i need to submit? that's it rite?

I call the BSN, the card was approved, juz wait for call from branch to collect card..
When the card active, then only BT will be process.

I had few questions in mind regarding BT...

1) Do I have to own the CC for the bank that I want to make BT or not? Or when all approved I will get BT together with the new CC from the bank that I applied?
2) If I already had 2 CC from different bank, then I make BT with other bank, do I have to cancelled one of my existing CC? If I need to cancel, is there any fee that I had to pay?

1) Yes, you need to have your own CC for the respective bank. When approved with CC application, they will do BT. Depends on your approved credit limit.
2) No need to cancel if you want to keep. But, no more outstanding value lah on your existing CC.

Correct or not brotan?

Every day lurking in this thread so far learn so many things.

, just some slight addition to make it clearer

This post has been edited by brotan: Jun 28 2012, 09:56 PM

Now I've got problem because my monthly salary is not above RM3000 which make me ineligible for the third CC. I tried apply for citibank but they came up with this Ready Credit Plan ( Citibank Ready Credit ) which makes me wonder whether I should take it or not? Is this plan better than using CC for BT?

Thanks~

So, what is the best cc for BT? Plan to apply credit card with the best BT rate, zero annual fee and can waive GST. Is there any credit card as such?

for best BT, pls refer to page 1. there is a spoiler to consolidate the 0% offering and also low interest offering

zero annual fee so far most bank give such offer, so no big issue

waive GST i am not sure which one is the best

Called Bank Islam cs moment ago, the 0% BT had been expired by 31st June 2012.
Anybody getting the same information?

This post has been edited by Titan_Gunners: Jul 3 2012, 09:35 AM

supposed to expire 30th dec

maybe the CS give wrong info?

Thanks brotan.

I have one question. My credit card A has statement balance at RM2000. I plan to do balance transfer RM1000 to credit card B. Suddenly two days after apply for balance transfer, my wife paid full credit card A statement (RM2000). Will credit card B still accept the balance transfer?

Normally cc B will continue to accept the transfer unless you tell them to cancel it

so which means you will have surplus in your cc A acc

refer to link below:
http://www.bankislam.com.my/en/Documents/B...nceTransfer.pdf

In the 1st page, there are 2 expiry date.
On the top left corner, stated 31st Dec 2012.
On the bottom right corner, stated 31st June 2012.
So, which date are correct??

This post has been edited by Titan_Gunners: Jul 3 2012, 09:40 AM

Thanks brotan. So after transfer my outstanding in credit card B will be -RM1000? Is there any penalty charge by bank if this happen?

alamak bro

the bottom right is for lucky draw only lah

Since when june has 31 day?

not that i know of