why u need agent?
just download the form, fill it and fax it in

called up citibank,

they offering 3.99% pa for 1 year. No processing or early settlement fee

I wanted to try scb - 1.99% as indicated in the first page 

I've gone through this thread but I'm not sure if I fully understand. So..

1.what does it mean by valid until june 2012 or sept 12? is it BT promotion valid until that date or u must finish pay ur BT?

2.i only have cc with MBB. if i want to do BT with another bank, and purely for BT (no more swipe), does it good to do that? and i need to have another cc with respective bank?

3. current CC limit is 12k. if i sign up for another CC for BT, how much my credit limit will be for new cc, is it still 12k?

my debt now ~7k. please advice

Thanks brotan..

Now I understood. Next question.. I think this is more related to credit card rather than balance transfer..

1. I have maybank2 card.. on my statement, there 2 item.. Retail interest rate 8.88 and Finance charges. is this the same or different thing?

2. I have made a excel sheet for my schedule hopefully i'm stick with it.. is my calculation correct?

[attachmentid=2894695]

3. if i stick with mbb cc and fixed my payment over 12 months include all the mbb interest, which is one is better? to do BT or just stick with my MBB? Its not wise to BT if there is annual card fee and hassle to transfer.. still need to do giro transfer from mbb to other bank.. rm2/transfer * 12  which more than total interest from MBB alone.
Please advice. So far my gut says, stick with MBB and fixed the payment.

@ ronnie and brotan :

Thanks for your advice. I'll start to find a good bank for BT.

How bout pbb?

I've applied Clear Visa.. and asked BT when one Citibank guy called..

he said that new applicant for BT will be 9.9%.. meanwhile, for different rate that he told me is to selected customer only..

http://www.citibank.com.my/english/existin...ce-transfer.htm

and http://www.citibank.com.my/english/existin...installment.htm

So between these two plan, what is the best? On Installment, link above, 12 months 5.4%.. can anyone explain? I'm getting confused -.-

brotan : Sorry. Citibank Clear Card

Any idea on the rate they offered and my question above?

you got those rare bank?

Hi

I am new to this BT thing but lets say if i want BT the balance From MBB to Aeon credit service, Do i need to be existing aeon card holder?

Bro, existing members? How do you get that rate?

not understand, if cover the the cash advance using bt and fast enough? can or cannot

ic, no. I not urgently need money. Just finding what is the best way to get some low interest cash.

since it take 10 days to process, I worry it is not enough time already for this method because the pbbank 0% bt will closed end of this month.

I think apply personal loan is the only way to get cash now

I already submit my new cc application together with BT form to BSN (post direct to BSN HQ)

Until now, the card not yet ready...I call, they said the application was approved but still processed

It has been a month i submit a form..
If apply maybank, 1 hour already finish..huhu

Hope my BT will be approved also..

Puji diri sendiri nampak..lol

Btw, it quite difficult to find a suitable card for me to do a BT.

Need to consider their annual fee waived or not. Whether it islamic card or not..
Btw thanks to this thread..haha - (have to puji TS, or later he merajuk, didn't want to update this thread anymore)

1) Yes, you need to have your own CC for the respective bank. When approved with CC application, then you can start to apply for BT. Depends on your approved credit limit.
2) If Bank A cc BT to Bank B cc, after BT you can cancel Bank A cc. You can also cancel Bank B cc but then you have to clear all the BT you still owe them + there might be RM 100 cancellation fee. Normal strategy is have 1 cc that give u great rebate and 1 cc that give u great BT. Buy stuff from the rebate cc and then BT to the BT cc

Correct or not brotan? 

Every day lurking in this thread so far learn so many things. 

So, what is the best cc for BT? Plan to apply credit card with the best BT rate, zero annual fee and can waive GST. Is there any credit card as such?

Called Bank Islam cs moment ago, the 0% BT had been expired by 31st June 2012.
Anybody getting the same information? 

Thanks brotan.

I have one question. My credit card A has statement balance at RM2000. I plan to do balance transfer RM1000 to credit card B. Suddenly two days after apply for balance transfer, my wife paid full credit card A statement (RM2000). Will credit card B still accept the balance transfer?

refer to link below:
http://www.bankislam.com.my/en/Documents/B...nceTransfer.pdf

In the 1st page, there are 2 expiry date.
On the top left corner, stated 31st Dec 2012.
On the bottom right corner, stated 31st June 2012.
So, which date are correct??