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Credit Cards Balance Transfer (BT) Plans V2 - Banks Offer List
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MGM
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 Dec 24 2012, 10:56 PM
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QUOTE(MGM @ Dec 20 2012, 08:25 AM) 10/12/12 morning submitted BT @ AEON for CITI and MBB2Amex 10/12/12 evening received call from AEON to verify the BT application 17/12/12 AEON send cheques to CITI and MBB 19/12/12 payment reflected in CITI account 20/12/12 morning, no payment to MBB yet. 21/12/12 checked Maybank2u and found payment to MBB came in on 20/12/12. 16/12/12 Sunday afternoon submitted BT @ AEON for OCBC CC 17/12/12 Monday morning received call from AEON to verify the BT application 24/12/12 Monday night check OCBC online and was surprise to see payment already in and dated 20/12/12, same day as my BT from MBB which was done almost 1 week earlier. |
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ronnie
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Dec 24 2012, 11:30 PM
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QUOTE(JamesPond @ Dec 24 2012, 02:49 PM) thanks. I am trying this tonight. Will let you know the positive result Any result : positive or negative to share ? |
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JamesPond
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Dec 25 2012, 01:11 PM
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yes, I contacted them for 2 of my cards termination.
they told me that both cards are blocked and my request for retention is subject to management approval.
let see how, would there be someone call me...?
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ronnie
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Dec 25 2012, 01:52 PM
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QUOTE(JamesPond @ Dec 25 2012, 01:11 PM) yes, I contacted them for 2 of my cards termination. they told me that both cards are blocked and my request for retention is subject to management approval. let see how, would there be someone call me...? My "retention call came only after approx 3 weeks from the cancellation call. |
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JamesPond
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Dec 25 2012, 02:33 PM
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3 weeks time is very long. I actually paid the GST for 2013. Hopefully they call me and refund.
are they issue you new card or you can still use the old card?
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jjsia
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Dec 25 2012, 03:47 PM
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QUOTE(JamesPond @ Dec 25 2012, 02:33 PM) 3 weeks time is very long. I actually paid the GST for 2013. Hopefully they call me and refund. are they issue you new card or you can still use the old card? I don't think that is gonna happen. Bank generally will not refund your GST. You should had cancelled it before it was levied.  |
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JamesPond
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Dec 25 2012, 05:26 PM
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this is something different than the normal one.
it is call retention program
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ronnie
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Dec 26 2012, 02:00 AM
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QUOTE(JamesPond @ Dec 25 2012, 02:33 PM) 3 weeks time is very long. I actually paid the GST for 2013. Hopefully they call me and refund. are they issue you new card or you can still use the old card? My call in to cnacel was doen on 4 Dec. At this point, the card is blocked only (not totally cancelled, even after 1 week) The call from Retention Dept was on 18 Dec. Re-activate my existing card .... You should always CANCEL before paying GST  |
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JamesPond
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Dec 26 2012, 11:02 AM
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i didn't know they got retention program. that why i just pay. doesn't matter. they well just re credit ed back. if positive.
so next year you still need to do the same?
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ronnie
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Dec 26 2012, 12:14 PM
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QUOTE(JamesPond @ Dec 26 2012, 11:02 AM) i didn't know they got retention program. that why i just pay. doesn't matter. they well just re credit ed back. if positive. so next year you still need to do the same? You pay GST liao means cannot ask for it back as you didn't even submit request to cancel... how to retain an EXISTING Cardholder ???  |
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JamesPond
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Dec 26 2012, 12:44 PM
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rm50 is not an issue,
are you going to do the same for next year?
Added on December 26, 2012, 12:58 pmAlways focus and never look back.
It does not give you any beneficial to look backward and kept it on your mind forever.
This post has been edited by JamesPond: Dec 26 2012, 12:58 PM
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andy_lyy
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Dec 26 2012, 03:21 PM
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Getting Started
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News update for my AEON cc and BT:-
I online downloaded, filled and submitted on 6 dec, around 7pm, got my cc on 13 dec afternoon. i faxed my BT request on 14 dec around 11am, received a call later on for the verification. Today I check online, the BT (RM2k) is done on 20 Dec 2012. thumb up for AEON~
lets enjoy the 6months 0% interested~
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JamesPond
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Dec 26 2012, 06:40 PM
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romnie can you pm me your mobile?
Added on December 26, 2012, 8:55 pmCIMB retention team called me today, they offer me a 10,000 bonus point for master card and only RM25 cashback for visa.
I ask the 0% BT. They told me this is only applicable for new applicant. It is not offer for retention purpose.
I told her, I need to consider and ask her to call back.
This post has been edited by JamesPond: Dec 26 2012, 08:55 PM
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jaychow
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Dec 27 2012, 01:17 AM
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Getting Started
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Hi there, newbie in this thread. Sorry if its a repeated question elsewhere. I've heard somewhere that doing BTs will hurt your credit ratings when you apply loan, is that true?
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JamesPond
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Dec 27 2012, 02:11 AM
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that if correct
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firdausz
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Dec 27 2012, 10:07 AM
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Getting Started
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made by BT with Public Bank
19th Dec - apply on by Fax
21th Dec - got a call from them.
- approved.can see BT installment on my online statement
27th Dec - payment to other CC
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notok
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Dec 31 2012, 11:20 PM
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Getting Started
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QUOTE(ForteBlack @ Dec 31 2012, 08:44 PM) In my opinion, that is PARTIALLY TRUE. TRUE = When you have VERY HIGH outstanding credit card balance, you are deemed to have lesser ability to make repayment because it is assumed you have to pay 5% of your outstanding credit card balance every month. However, you can justify to the loan officer when applying for loan. Personally, I have credit card outstanding balance of over RM 50K with 5K salary but still no problem getting housing loan (BLR-2.4%) and car loan (2.6%) (among the best interest rates during that time) approved. FALSE = Generally most Balance Transfers do NOT appear anywhere in your "credit report" (CCRIS). but there will be a outstanding balance stated there for each bank you owe |
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ronnie
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Jan 1 2013, 03:16 AM
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QUOTE(ForteBlack @ Dec 31 2012, 08:44 PM) FALSE = Generally most Balance Transfers do NOT appear anywhere in your "credit report" (CCRIS). Unless a separate BT account number is created, right ? |
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shiroikun
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Jan 2 2013, 01:24 AM
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QUOTE(ronnie @ Jan 1 2013, 03:16 AM) Unless a separate BT account number is created, right ? Yes, I can confirm this. I printed my CCRIS report 1 month ago, all BT that created a new 16 digits account number will show on the report. |
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JamesPond
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Jan 2 2013, 09:47 AM
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where you print your ccris report?
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