QUOTE(carpathia @ Mar 6 2014, 11:13 AM)
"hmn...im torn between applying for PBB or RHB to enjoy the 0% Balance transfer.
need to BT around 30K
*
Pbb win hands down"

Can share why Pbb better than Rhb? Thx

1) my only concern is how much PBB can let me BT

2) whats the problem with BT Payments via giro? isnt that faster ?

Hi bros need help!

I have applied to mbb previously for my BT, but took a long time no reply so I applied to hsbc which they approve within 2 working days. then 1 day later MBB told me they approve my BT also. I tried to call cs to ask MBB to cancel it they say cant as the application is already approved. what should I do now?? I dont want to be paying for 2 BT interest!

Thanks guys

hsbc said they have already disburse the money, can't do anything from their side. they ask me to call the credit card that im transferring from to reverse the payment. then i call the cc they say they havent receive anything yet, and should ask hsbc to stop payment. im just worried if i cancel one of them, will i be charged the interest? coz I took the 3% fee bt. if they gonna charge me even if i cancel then i'll end up paying 6%!

don't know about u all, this is my first time doing a b/t and it seems applying to various banks seem like not a good idea after all.

i can't understand the logic once we apply and they approve, then cannot cancel d / need to pay the interest if want to cancel. not like mortagage where u can decide to accept their offer / credit card where u need to activate it only considered u accept. bt - once approve i must accept??

Anyone has experience with public bank BT? How long does it takes from BT application to the BT approval?

How come you get TWO BT ? i thought can only apply 1 per person

Well...the whole point of applying for BT is that you are running out of credit and you cant pay....so you wanna BT it to another bank. Now here is my scenario

1) CIMB - 29k current BT - i want to transfer this out
2) SCB - 8K - i also want to transfer out

not sure if public can give me 37k BT for 0%

Hi all,

Newbie here, just a question on how to cash-out the money after doing BT. For etc.

RHB BT 10K
PBB  BT 10k
AEON BT 10k  ---> Total of 30K to CIMB CC ACCOUNT.

How do I withdraw the money? Using ATM ? Any charges for withdrawer?

Any bank gv 0% BT other than PBB RHB AEON? UOB used to gv.....

Am thinking to take all the cash and put into my flexi loan account.

Hi all,
Need some clarification regarding the 80% CL when doing BT. Is the calculation below correct?

Maybank CC credit limit: RM12k
Amount owed with Maybank: RM10k

Rhb CC credit limit: RM 6k
Amount owed with RHB: RM 0

Desired BT to RHB amounting to RM 6k (Possible?) Since only 80% of CL permitted to do BT which is equivalent to RM 4800?

Thanks for info.

Another question in mind is that, let's say I do BT of RM1.6k(MBB) to RHB and the new MBB balance is RM8.4k, is it possible if I do another BT to RHB(on the same CC which I did BT) again which is RM 2880 2/3 months after the first BT?

Hi sifus

If I already applied BT from rhb to pay my mbb cc, can i still apply 2nd time BT from rhb  to pay my mbb cc within 3 months ?

Thanks.

Hi sifus

for RHB bank BT, use which way to submit the request and they can process more faster?
submit the form via their website or thru banker ?

I dont owe cimb CC any money. Am thinking to withdraw the money and use it to place into my Flexi Home Loan ACC to save interest~  wander it works....

Do a BT from CIMB to Public Bank. Public Bank Balance Transfer program does not require any CC statements. Most other banks require CC statements for BT application. So in theory, I reckon it's possible for you to do that. 

yes i asked the CS it no any charges. just would like to double confirm as this is 1st time to do BT.

BTW, now i do BT from AEON to RHB. if 3 month later got offer from AEON bank with 0%, can I do a BT again from RHB to AEON again?

thank you.

glab PBB rejected my application, which i then  applied and received RHB non-islamic CC. 

there is a 2% one time charge for 0% BT on public bank credit card

My situation..now..

CC - accumulate debt..4.2 + 1.2 = 6.4k..
CL - 50k..

option 1.

almost near my due payment of 4.2k,

i) shall i pay min, then BT to Aeon CC Watami? 0% for 6months? although didnt save, but prolong my payment into 6 times or 6 months

ii) Any charges BT from MBB to Aeon CC Watami..

or

option 2.

i) pay in full everytime..

Credit Limit between cards issued by the same bank is combined. e.g. You have 2 Maybank CC, their combined limit is RM10k.

For your purpose, you can apply for RHB or HLB card, BT your AEON outstanding there, and then balance transfer your HSBC & CIMB outstanding to AEON.

Just one example.