HLB is also offering 4.99% BT for customer who apply HLB credit card too. Must not be existing cardholder

What if I want to change to a different card, same bank? Maybank?

Don't get it your question

You mean you want to do BT within the same bank (Maybank to Maybank)?

If that's what you mean, the simple answer is you can't do BT to the same bank. Maybe there are such cases but rare

Hi all, I have been deciding between personal loan and Balance Transfer to clear my card off.

My debts are around 10k.. 6k(uob), 4k(mbb). Possible to do balance transfer? Still abit blur on how it works...

Hi

best way is to apply those cards which offer low 0% interest BT. You can refer to the spoiler on post #1. Eg of such offers are from BSN, Aeon, PBB

Let's say you got your PBB credit card. You simply email / fax them your request to BT your existing UOB / MBB credit card. Process is quite simple. I do it tons of time

and from my experience, PBB execution cycle time is one of the fastest

Hope this helps

This post has been edited by CarolT: Feb 26 2013, 11:46 AM

you are welcome

that one i tak tahu lah

Be mentally prepared, most probably will reject due to your debt shown in CCRIS.

This post has been edited by CarolT: Feb 26 2013, 11:46 AM

in your case, i think should be ok to get PBB approval

Credit card is devil.. Bank are not charity, they wish to see we stuck in debt. then they can make more $$$$..

+1

This thread purpose is to help us get back at the bank at their own game. haha

Let's loot the banks together

This post has been edited by CarolT: Feb 26 2013, 11:43 AM

Hmmmm, why do you think the bank offer 0% BT plan? They want you to keep accumulate the debt...If fail to pay, they can earn interest...
Regarding the CC approval, nobody can get the answer..Pls try to apply and wait for the results..

Standard Chartered really not bad

0.99% p.a. (if take 1 year) or 1.99% p.a. (if take 6 months)

What Titan_Gunners is trying to say is, BT is like a wolf in sheep clothing

It may look innocent and helpful outside, but inside the bank knows that although there will be some who are wise enough to not fall into their trap, there are many more that will end up in more debts because of BT.

Main reason for that is, ppl will think they got tons of cash (which they don't have) and if they use the money saved from BT to spend on stupid expensive stuff that they can't afford, they are falling into the bank's trap because sooner or later you have to pay back the money you owe, one way or another and if you can't, then you are digging bigger hole than before

This is what the banks HOPE you will do, dig deeper holes so that they can earn more money

BUT if we are wise to utilize BT to save interest (and not getting into bigger debts), then we will be just fine

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Added on November 27, 2012, 4:17 pmnew credit card holder or also for existing?

This post has been edited by brotan: Nov 27 2012, 04:17 PM

so scary the way u put into this

but i agree with what u said, as we are using future money then only use 0% BT plan to pay off slowly say like 6 months....

anyway, really have to be super discipline in this lor...

This post has been edited by leafy: Nov 27 2012, 04:53 PM

sorry yah have to be scary cuz mod got warned me before need to be like that. haha

I see.. I want to get a new Maybank card which gives better benefits.
Maybe I should cancel my current card and apply for a new one. Thanks