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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 May 26 2014, 08:29 PM
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#1
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Newbie
4 posts Joined: May 2014 
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Hey guys, I am quite new to this.
My current outstanding PB 4.9k/5k HL 4.9k/5k CIMB 9.8k/10k HSBC 20k/21k What is the best balance transfer that I can do and what happens to the credit limit after I do a balance transfer? I hope to hear from you all. Thanks. |
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May 26 2014, 08:41 PM
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#2
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Newbie
4 posts Joined: May 2014
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QUOTE(brotan @ May 26 2014, 08:33 PM) are those numbers outstanding/credit limit? How do I calculate the monthly payment, and is there any charges if I can settle the whole thing early?if yes,  the only way is to apply for aeon cc and BT all of them there and cut off your cards  I need maybe not the lowest rate, but the most flexible 1 where I can settle it early when I can. |
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May 26 2014, 08:54 PM
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#3
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Newbie
4 posts Joined: May 2014
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QUOTE(victorywp @ May 26 2014, 08:50 PM) are you trolling? So it is not possible to do a balance transfer basing on these figures? how are you going to do balance transfer when all of your cards already so close to max?  and with these outstanding, do you think you still can apply for another cc in order to do bt? and if you really still can, can you get a credit limit of 50k in order for you to do bt for these outstanding (bcs bt can only use 80% of a cc)? I actually don't really get this balance transfer thing. It's not merely transferring the outstanding amount of your current credit cards to a instalment plan? |
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May 26 2014, 09:37 PM
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#4
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Newbie
4 posts Joined: May 2014
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Thanks for some of the information.
Anyway, anyone knows how do banks define bad payment record? what if I repay slightly more than the minimum every month? |
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