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

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carpathia
post Oct 3 2013, 05:48 PM

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need some serious help here. Which BT do you think i should take (around 40k) with 0% or good promo ? so far Ambank looks good bcos of the damn free 50% TV and Macbook Air but i find it so damn hard to get BT information from the banks webpages
carpathia
post Oct 3 2013, 07:07 PM

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QUOTE(shiroikun @ Oct 3 2013, 07:03 PM)
To enjoy this promo, u need to sign for 3 year BT with them, I don't really think it is a good deal as their interest rate are high and it is not a reducing balance interest rate
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Agree. i just read on imoney that BSN is offering 0.36% up to 36months....might take it up.

Of course...on the other hand...perhaps i should just sign up for 0% BT with few different cards/banks and split my debts. make sense ah ? smile.gif
carpathia
post Oct 7 2013, 11:01 AM

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er...CIMB also have 0% at 6 months
carpathia
post Mar 6 2014, 11:13 AM

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hmn...im torn between applying for PBB or RHB to enjoy the 0% Balance transfer.
need to BT around 30K
carpathia
post Mar 6 2014, 11:40 AM

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QUOTE(yong417 @ Mar 6 2014, 11:23 AM)
Just to share my exp with RHB BT ~

Form submitted and accepted by RHB Card Center on 26 Feb 2014;

Received SMS saying that my 1st transaction of the card went thru on 27 Feb 2014;
(check with c.c. , that tranx is my BT)

RHB Giro $$ to my credit card acc on 04 Mar 2014. rclxms.gif  rclxms.gif  rclxms.gif

Total 6 calendar days to get $$ (4 working days) rclxm9.gif  rclxm9.gif
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How much was your BT, if you dont mind sharing ?


carpathia
post Mar 8 2014, 02:46 AM

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QUOTE(brotan @ Mar 7 2014, 03:28 PM)
Their bt can say never have any stop gap (always there) + processing is fast (faster than rhb or not I not sure)
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QUOTE(lamode @ Mar 8 2014, 12:15 AM)
has anyone else tried to BT from AEON outstanding to RHB?
because my understand from staff is that they only make BT payments by GIRO, don't have the option to do cheque. hmm.gif  rclxub.gif  sweat.gif
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1) my only concern is how much PBB can let me BT

2) whats the problem with BT Payments via giro? isnt that faster ?
carpathia
post Mar 14 2014, 11:00 PM

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QUOTE(Mr Gray @ Mar 13 2014, 11:47 PM)
I did two BT's with PB. Only took like 2, 3 working days to approve. smile.gif. It's quite efficient.
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How come you get TWO BT ? i thought can only apply 1 per person
carpathia
post Mar 15 2014, 10:41 AM

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QUOTE(brotan @ Mar 14 2014, 11:13 PM)
you can apply unlimited BT with 1 bank as long as your have enough credit
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QUOTE(Mr Gray @ Mar 14 2014, 11:53 PM)
yup, unlimited amount of BT's allowed. So long as you don't exceed 80% of your CL, in Public Bank CC case.
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Well...the whole point of applying for BT is that you are running out of credit and you cant pay....so you wanna BT it to another bank. Now here is my scenario

1) CIMB - 29k current BT - i want to transfer this out
2) SCB - 8K - i also want to transfer out

not sure if public can give me 37k BT for 0%
carpathia
post Mar 21 2014, 05:21 PM

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shit. they removed the 0% 12 months BT
carpathia
post Mar 24 2014, 05:52 PM

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there is a 2% one time charge for 0% BT on public bank credit card
carpathia
post Mar 25 2014, 04:38 PM

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QUOTE(sms2u @ Mar 25 2014, 01:51 AM)
There is a promotion of 0% balance transfer from hong leong bank.
But, too bad it is for new to bank customer only.
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0% for 6 months , not 12 months
carpathia
post Mar 27 2014, 04:52 PM

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QUOTE(Dannyl @ Mar 27 2014, 10:25 AM)
Under Banks Currently Offering <= 3%/yr Balance Transfer in the FP:
Looks to me like this is the best BT deal around.  Is there any catch or reasons why I shouldn't take this, other than the RM100 early settlement penalty?

TIA.
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Yeah...does sound like an awesome plan if you have high $$$ to BT and cant clear.
carpathia
post Apr 2 2014, 11:55 AM

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CITIBANK 0% 12 month BT but only up to 7k. Just saw at their roadshow at PJ menara LYL
carpathia
post Apr 2 2014, 03:20 PM

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QUOTE(tifosi @ Apr 2 2014, 12:54 PM)
For new cardmember benefit only I suppose?
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i didnt bother to ask
carpathia
post Apr 5 2014, 01:35 AM

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QUOTE(joylay83 @ Apr 4 2014, 08:42 PM)
Is this up to 80% credit limit? not stated woh...  hmm.gif
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QUOTE(Mr Gray @ Apr 4 2014, 10:45 PM)
yes. read la the T&C pdf right below on the page. http://www.pbebank.com/en/en_content/images/tc_acti.pdf
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i thought they removed the 0% for 12 months. Seems that there is a 2% upfront fee attached
carpathia
post Apr 5 2014, 09:15 AM

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QUOTE(joylay83 @ Apr 5 2014, 02:29 AM)

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thanks !! rclxms.gif rclxms.gif
carpathia
post Apr 10 2014, 10:01 AM

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go apply the public bank 0% 12month plan la...just make sure you spend RM1K within 1st 3 months

i just sent in my application yesterday. wanted to apply for the infinite card but not qualified...they need RM250K annual income...sigh
carpathia
post Apr 10 2014, 11:38 AM

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QUOTE(lamode @ Apr 10 2014, 10:44 AM)
got link to the promo?

as far as i know the 0% 12 mths is not BT, its installment.

http://www.pbebank.com/en/en_content/perso.../pbflexibt.html
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http://www.pbebank.com/en/en_content/perso...tions/acti.html

This post has been edited by carpathia: Apr 10 2014, 11:47 AM


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carpathia
post Apr 15 2014, 03:00 PM

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This is a very good deal indeed. if my public bank application fail, then i will apply for this
carpathia
post Apr 23 2014, 08:35 AM

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my card application to public bank already 2 weeks also no news. Dont understand why they take so long, as i dont think they are processing HIGH volume of card application right?
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