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Credit Cards Balance Transfer (BT) Plans V2 - Banks Offer List

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bearbear
post Jul 2 2013, 11:53 PM

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What you guys are doing is transfer your credit card debt to monthly payment without interest? hmm.gif
bearbear
post Jul 3 2013, 12:02 AM

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Now this is interesting.

Please bear with me and help me understand further with the 2 cards i have.

Card 1: Maybank 2 Card
Card 2: Aeon Gold

Say i spent 2k on M2C, i can do BT to my Aeon Gold and how does the repayment work for 0%?

Basically delay the whole payment while you can earn interest with FD or whatever investment? shocking.gif

This post has been edited by bearbear: Jul 3 2013, 12:07 AM
bearbear
post Jul 3 2013, 12:09 AM

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QUOTE(ronnie @ Jul 3 2013, 12:07 AM)
For AEON BT program, the amount RM2000 will be divided by 6 months : RM333.33 per month.
Each month this amount RM333.33 will appear as acharge in your AEON statement.
Failure to pay your CC statement on time before Due Date, you will be charge late interest of 18% p.a.

So basically, it makes the amount similar to 0% EasyPayment Installment.

If you can make more money with your RM2000, that's good.
*
lol ya i suppose the banks are betting that you will spend the extra cash. So basically i can just BT all my credit card usage to AEON and get away with interest free instalment. notworthy.gif

And i read that i do get points for BT rite? rclxm9.gif
bearbear
post Jul 3 2013, 12:13 AM

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QUOTE(ronnie @ Jul 3 2013, 12:12 AM)
For AEON you get 1 point per RM1 BT.
In the above example, you get 333 points for 6 months.
*
Thank you so much sir, off i go into the BT world tongue.gif
bearbear
post Jul 3 2013, 12:18 AM

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QUOTE(brotan @ Jul 3 2013, 12:17 AM)
good luck but be careful. or you might end up worse doing BT than you don't
*
Noted - keep the cash safe, earn point and keep an eye on the deadline rclxms.gif

This post has been edited by bearbear: Jul 3 2013, 12:18 AM
bearbear
post Jul 3 2013, 09:27 AM

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Guys need some advise

My CC payment is due on 16th July, counting today that is about 10 working days only. Worth the gamble?

M2K BT to AEON

This post has been edited by bearbear: Jul 3 2013, 09:28 AM
bearbear
post Jul 3 2013, 09:32 AM

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QUOTE(ronnie @ Jul 3 2013, 09:30 AM)
May not make it... AEON is very slow.
My personal experience: mine managed to squeeze thru..... there's 1-2 days grace from MBB before Interest sets in (Not with HLB)
*
Ya i suppose better not, don't want to incur unnecessary charges.

Next month then wink.gif
bearbear
post Jul 3 2013, 10:23 AM

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QUOTE(namh @ Jul 3 2013, 10:12 AM)
from my last transaction, BT from M2K to AEON took 11 days.. if you want to be safe, straight away BT when you receive statement..
*
Noted, just realized this BT function last night biggrin.gif

Or in fact can apply for BT once i swipe something big already
bearbear
post Jul 4 2013, 10:24 AM

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Just got call from AEON asking for CC statement as supporting for BT
bearbear
post Jul 4 2013, 11:51 AM

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ya which make sense.

Anyone tried email instead of fax the form to them?Don't feel comfortable faxing it in the office as people can access and see if they want wink.gif
bearbear
post Jul 16 2013, 10:20 AM

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Want to ask about BT of Maybank CC to Aeon.

Card type: Maybankard 2 MasterCard
Cardholder name:
Total credit limit:
Last payment amount: RM1,500.00
Last payment date: 15 July 2013
Minimum payment amount: RM0.00
Outstanding balance: RM426.91
Statement balance: RM1,501.92

I BT RM1500 while the statement balance is 1501.92. this means the payment is done right?But statement balance still display RM1501.92?

This post has been edited by bearbear: Jul 16 2013, 10:20 AM
bearbear
post Jul 16 2013, 10:38 AM

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ya i've just paid up the 1.92. nice they managed to transfer within the deadline rclxms.gif

i was confused because beside the statement balance there is this option "Pay now" which prompt me to pay RM 1501.92 smile.gif
bearbear
post Jul 22 2013, 09:14 PM

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For AEON do they view M2K as one bank?Can i BT Mastercard 500 AMEX 500 total 1k for Maybank?
bearbear
post Jul 23 2013, 10:22 AM

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QUOTE(brotan @ Jul 22 2013, 09:27 PM)
Most bank treat multiple cc from same bank as single entity

Not sure about aeon
*
Email them, confirm its min. 1k per bank not by card.
bearbear
post Jul 23 2013, 11:23 PM

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QUOTE(brotan @ Jul 23 2013, 09:46 PM)
called them. you are right. 1k per application  notworthy.gif
*
great news...nw i just feel so glad i sign up aeon gold
bearbear
post Jul 27 2013, 11:19 PM

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AEON is not the fastest, usually >10 days.
bearbear
post Aug 2 2013, 11:18 AM

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Applied on monday 2nd BT with AEON - approved within the same day biggrin.gif
bearbear
post Oct 3 2013, 10:09 AM

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QUOTE(sj0217 @ Oct 3 2013, 08:38 AM)
May I know when the bank will going to charge for interest fee?

I have done BT from one bank to MBB, and taking 6 months - 0.5% from MBB plan. The new account has appeared in my M2U, is this BT account of payment and due date will follow as for my cc statement date? 

First time BT here sad.gif
*
Yes payment follow your MBB CC due date.
bearbear
post Oct 14 2013, 12:32 PM

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Thanks for sharing, i always email to customer.service@aeonmalaysia.com.my and they will reply

Warmest greetings from AEON Credit.

We wish to inform you that we have forwarded your request to the department concerned for their further action.
bearbear
post Oct 30 2013, 10:14 AM

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seem like MBB is slow?

my BT for Alliance CC

Submit 18/10
Verification / Confirmation 21/10
Payment appear on Alliance system 25/10
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