Anyone know if I do another BT from same bank if I already had BT from the bank.

Received call from HSBC 10min ago. 3% for 1st time & 0% for the balance mth onwards. Never asked for more info coz i got no balance to transfer

is it for new or existing customer?

Existing customer i believe coz i've holding HSBC cc since 2003

hi

don't get it what you mean

if i understand you correctly, you can do as many BT as you want on the same bank as long as your available credit limit is enough

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Added on November 21, 2012, 2:38 pmUpdated maybank BT plan

This post has been edited by brotan: Nov 21 2012, 02:38 PM

Ambank, MBF BT updated

This post has been edited by brotan: Nov 21 2012, 03:12 PM

Correct. I thought only once per card. Just applied second BT with AEON within 3 months. Too many overspent.

Year End Sales is here ma...


i also BT- ed 3 times jor since i applied this AEON Card not long ago until my credit limit left 20% only and now cannot do any BT anymore...

need to be careful. over use of BT will have bad effect on your health (note : heart attack)

This post has been edited by brotan: Nov 21 2012, 05:01 PM

yeah fully understand of the cause and risk also...

so right now have to stay extra kwai kwai at least for another 4 months to settle this old debts....

Good luck to be kwai kwai

With Public Bank RM388 Online Cash Back promotion, we only pay RM12 if take up 24 months. BT and minimum 5k.

That means if I choose pay back in 6 months, the only charges that I bear is that 0.5%? Or it's 0.5% + 3.0%?

0.5% per month, in other words it is 6% per annum interest rate for continuous 6 months. the up front 3% only applies to 0% 12 months plan

Latest promo? For new cc customers or existing ones?

That means application for 12 mths BT is more worthy as only 3% upfront charge incurred.

For example = RM1,000 x 3.0% = interest only RM30

there are other more worthy offer from other banks if you check the first post

Hi guys,

When getting BT, the most common question to ask is early interest, interest per month, minimum payment per month or installment per month, early settlement penalty, consequences of miss payment or default, existing or new customer rate.

What else did i miss?

This post has been edited by owenwong84: Nov 23 2012, 01:21 PM

another question to ask (the most important imo)

What's the purpose of doing this BT? To reduce interest or to help fuel my future spending which i can't afford?

Of course to clear off debt with lower interest.