Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Balance Transfer (BT) Plans V2 - Banks Offer List
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 Jun 28 2012, 07:55 PM
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#1
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Junior Member
86 posts Joined: Jan 2009 From: Kedah  
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I had few questions in mind regarding BT...
1) Do I have to own the CC for the bank that I want to make BT or not? Or when all approved I will get BT together with the new CC from the bank that I applied? 2) If I already had 2 CC from different bank, then I make BT with other bank, do I have to cancelled one of my existing CC? If I need to cancel, is there any fee that I had to pay? |
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Jul 2 2012, 07:05 PM
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#2
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Junior Member
86 posts Joined: Jan 2009 From: Kedah
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QUOTE(saksoba @ Jun 28 2012, 09:39 PM) 1) Yes, you need to have your own CC for the respective bank. When approved with CC application, they will do BT. Depends on your approved credit limit. Now I've got problem because my monthly salary is not above RM3000 which make me ineligible for the third CC. I tried apply for citibank but they came up with this Ready Credit Plan ( Citibank Ready Credit ) which makes me wonder whether I should take it or not? Is this plan better than using CC for BT? 2) No need to cancel if you want to keep. But, no more outstanding value lah on your existing CC. Correct or not brotan?  Every day lurking in this thread so far learn so many things.    Thanks~ |
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Jul 3 2012, 01:40 PM
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#3
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Junior Member
86 posts Joined: Jan 2009 From: Kedah
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QUOTE(bearboss_85 @ Jul 2 2012, 07:05 PM) Now I've got problem because my monthly salary is not above RM3000 which make me ineligible for the third CC. I tried apply for citibank but they came up with this Ready Credit Plan ( Citibank Ready Credit ) which makes me wonder whether I should take it or not? Is this plan better than using CC for BT? Any comment, guys?~ huhu~ Thanks~ |
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