Erm... Will go Aeon tomorrow and ask about this. Will apply it on the spot if got cash back to offset GST.. =)

Last time when I ask about GST, they have a plan called 'Retention Plan' to offset GST. You need to call them or visit their branch to activate the plan and then spend any amount within 60 days.

i notice CIMB BT is back for 6 months 0% during their CIMB fiesta in MV last week

Are you sure? That is for new to bank customer, not for existing customer.
Pls do homework before posting.

wow, posting in LYN also need to do homework?

still a BT programme

No if you are in Kopitiam thread. But here is not Kopitiam thread.
Pls refer to few pages before, we already confirm CIMB 0% BT is for new to bank customer only.

OK, 1st come 1st serve.

just got a sms from maybank for 50 unit samsung S3 and 50 unit galaxy tab to be won for BT to maybankard.

Wonder PBB does have e-mail address so the BT form can be emailed instead of fax or post?

Yes have. I also scan my application and email to them. You can check their website for the address

About this promo, I got call from Maybank..they also offer cash treat up to 36months but with some interest. So I just pass their promo since its a contest, if no luck no s3 or free tab I asked them when will get 0% BT, they said maybe end of this year...so to those who want to do BT, i think its not hurt to wait few more months since Maybank got 12months 0% history

Just saw it, CIMB BT promo for existing cardholders but the rates are
a bit expensive

http://www.cimbbank.com.my/index.php?ch=43...b_bank&bb=12514

so better to wait for their 0% promo then...

i just wondering.. let say we take the 0% promo for 12 months... if cannot settle during the 12 months.. the interest rate will be back to normal?
i'm not really clear about this BT thing... saw the promo from Maybank.. i thought i should sign-up but trying to seek opinion abt it first..

thanks

maybank BT usually will distribute ur BT amount to 12month(incase you take 12month BT).. for example you BT rm1.2k for 12months, so your maybank cc statements will shows rm100 (1/12) for first month and rm100 (12/12) for last month of BT. if you not paid the full amount each month, you will get charged according to normal cc rates. hope you get clear on this. this only true for maybank and others who follow the same rule

ic ic..

so if let say RM100 (1/12) and then for that month i pay RM200 (xtra rm100 payment) so i should finish the balance in 6 month.. will there be a penalty?

if there's a penalty.. apart from the penalty thing.. it should be ok to pay more than the rm100 correct?

TIA

1st month u pay $100
2nd month u pay $200
3rd month u receive statement u have credit balance, so u dont have to pay for 3rd month
4th mth continue to pay your $100

ooo

so no charge on the outstanding balance la...
maybe i should opt to BT my CC balance.. at least not so much interest being charged...

if got more question i'll be back..

the BT goes to your existing credit card account, bank has no way of knowing that you have paid that extra 100 which you think meant for 3rd payment.
I'm presently on the 10 out of 12mth.

Hi brotan or all sifu,
Im not really clear abt this BT.
From the 1st page link given for the standard chartered bank.
I saw if i make rm3k BT then i will need to pay rm231*12mth
So total of payback is only rm2772..
Is it just that? Or there any other charges? i just dnt beleived it. BT rm3k then payback only rm2772 only in 12mth?sorry for noob q
Just worry of any other charge.

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Added on October 23, 2012, 5:53 pmThis post has been edited by writeprotect: Oct 23 2012, 05:53 PM

the rates given in pg 1 is just a reference rate given by bank

each bank has different was of handling BT repayment topics

so it is best you refer back to your bank for details

If you not clear, better dun involve....