I read from this..
http://www.standardchartered.com.my/person.../advantages/en/

Hehe at least i want to understand how does it work? Hehe

From my understanding, 231 is the interest charged (7.7% effective rate), so total 3,231 to be paid back within 12 months. Over there stated fixed monthly installment, so you need to pay 269.25 monthly for 12 months.

Btw, still better check with scb if you want to take the bt.

What @Titan_Gunners is saying is that if you don't understand it yourself and your understanding is based on what other people is telling you then please stay away from subscribing to such debt. (Which I agree)

You need to understand yourself what you are getting yourself into and shying away from advices given by non-professionals - they at least need to come from the bank that you are signing up with. Now ... this has nothing to do with we are not sharing with you ... this is a practical and sincere advice for you. (in case anyone from my fan club decides to flame me for my statement.)

http://www.standardchartered.com.my/person.../advantages/en/

The table shows how much INTEREST SAVED.

It is incorrect to use RM 231 x 12.

Your monthly installments is NOT RM 231.

Yes, there will be other charges IF you do NOT pay according to schedule.

This post has been edited by lohyugee: Oct 25 2012, 12:43 AM

regarding the bank islam balance transfer details

Valid Until : 31st Dec 2012 (Note : Called the bank. CS said you just have to pay min 5% of the outstanding balance transfer amount for that month. But on the final due date of the BT duration (6 mths, 12 mths or 24 mths), you must clear all the outstanding or you will be charged normal cc interest

If let says I want to BT 5k for 1 year (1% per year=0.083%), each month i only pay 5.083% of the outstanding?

any one can advise which bank is good to apply for new card and do bt?

CIMB or PBB.

BSN BT rate also quite good but they are slow

Received a call today from StanChart for their BT promo.

6 months - 2.99%
9 months - 4.50%
12 months - 6.99%

Not sure if this rate is applicable to everyone. May call SCB to ask if interested.

On the other hand, was offered 6.88% p.a. and 1% upfront fee for HSBC Cash Installment Plan. Unused credit limit for your HSBC credit card can be converted to cash (credited into any bank account in Malaysia) at the above rate.

http://www.hsbc.com.my/1/2/personal-bankin...H_CH_A_HSBC_CIP

Is it possible to balance transfer other people credit debt to my credit card?

Nope. Only to the same account holder name

I applied the new PBB card and got the card after 1 week...after got the card, I made the 0% BT for 6 month...after 2 days, PBB already paid to the other bank...bravo

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Added on November 12, 2012, 9:12 pmI applied the new PBB card and got the card after 1 week...after got the card, I made the 0% BT for 6 month...after 2 days, PBB already paid to the other bank...bravo

This post has been edited by titanic_crash: Nov 12 2012, 09:12 PM

PBB very efficient as per their counter service

PBB = China man management
MBB = Malay man management

maybank 0% BT is back?

Yes, one time up-front fee at 3% from the approved amount will be charged for each approved application and billed into the card credit statement on the posting date if you select 12 months of 0% balance transfer.

Do you have the new form? I seem cant get it on their tiger website

http://www.maybank2u.com.my/WebBank/BTFormConv_141112.pdf


Anyway there is a 3% charges for 0% BT, which it doesn't really a 0%... it is a 3% fix interest BT

is it applicable for mbb amex

Is just for mbb visa and master only.