Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed

Outline · [ Standard ] · Linear+

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

views
     
kei18kun
post May 17 2012, 11:49 PM

Coconut in the sea(TM)
*******
Senior Member
5,195 posts

Joined: Jan 2003
From: 500 year old rock ADHD™
update ask 2 banks
1. standard chartered, 3 different rate for 6,12,24 month. no more 1.99%/yr as mentioned in first page. called 2 times different day to confirmed with cs. haiya!

2. bank islam-12% per year, not sure whether this is true since only ask with cs at the bank and this info clash with first page which offer 0%. kinda dissapointed since brought all my documents to apply already tongue.gif

Added on May 17, 2012, 11:51 pmtomoro going to ask alliance bank and pbb smile.gif
first choice alliance, if don't have pbb it is

This post has been edited by kei18kun: May 17 2012, 11:51 PM
kei18kun
post May 18 2012, 02:12 PM

Coconut in the sea(TM)
*******
Senior Member
5,195 posts

Joined: Jan 2003
From: 500 year old rock ADHD™
QUOTE(brotan @ May 18 2012, 10:12 AM)
hi bro,

pls read carefully my pg 1. for standard charted, it says "for new application only". and i double confirm by calling the bank just now. still valid

bank islam is 12% per year? you sure bo? the bank islam i just call this week
*
sorry bro, the standard chartered is my mistake. i called uob instead, really not listening to other people already. need to pay more attention to what other people says

bank islam i will go again to ask again. however need to ask another CS since the one i ask on wednesday seems like dunno anything
kei18kun
post May 21 2012, 06:20 PM

Coconut in the sea(TM)
*******
Senior Member
5,195 posts

Joined: Jan 2003
From: 500 year old rock ADHD™
tried standard chartered today. 1.99%/year is for new card member. current member is higher, however i still apply and insist on 1.99% since 1 LYN member got it. see how

Hong Leong 6.99%/year is for not valid for my EON Matta Card. There is a listed number of cards valid for this promotion. Need to wait for June after they do another round of system update since their bank just merge.
kei18kun
post May 23 2012, 05:56 PM

Coconut in the sea(TM)
*******
Senior Member
5,195 posts

Joined: Jan 2003
From: 500 year old rock ADHD™
QUOTE(pisang @ May 21 2012, 11:21 PM)
Yes,i ve got d 1.99% per year fr scb. Hope u get it too. Just checked, my scb cc was approved july last year.
*
QUOTE(smsbusiness2u @ May 22 2012, 12:27 PM)
how to get 1.99% for scb balance transfer?
any term and cond?
*
bank officer call back today, not approved for 1.99%, so i go along for 7.99% for 18 months, last choice tomoro go check my HLB since have 6.99% for unlimited time is it? hehe
since just got a letter today asking me to go collect card from branch. if not mistaken my previous application for a high limit credit card was rejected, real funny

haha off topic, card application to Alliance was rejected on the spot since they can access CCRIS. make sense since my credit is off the charts now with over 30k hanging with my 3k salary.

its funny how i still can have like so many cards with the new regulation. now have mbb, rakyat, uob, hlb, scb
later will apply for bsn since have 0% interest bt wub.gif
kei18kun
post May 23 2012, 09:41 PM

Coconut in the sea(TM)
*******
Senior Member
5,195 posts

Joined: Jan 2003
From: 500 year old rock ADHD™
total amount yet most of it installment and bt, still can pay wan
kei18kun
post May 28 2012, 03:18 PM

Coconut in the sea(TM)
*******
Senior Member
5,195 posts

Joined: Jan 2003
From: 500 year old rock ADHD™
QUOTE(brotan @ May 24 2012, 09:28 AM)
Bro

You are really stretching your financial limit

Yes, now it seems you are able to bt and pay a bit without problem but there come to a point where you have reach the max limit allowed to bt

At that point, you are forced to really pay your bt installment and I think you will be in big trouble unless you have a big savings somewhere

Imagine today you must at least pay a single payment which assuming 12 months installment, meaning monthly repayment is about 2.5 k

Your base salary is 3k

how are you going to survive with 500? And if you pay partially only, that's where all your biggest nightmare begins.

Partial or missed payment will allow banks to charge you high interest rate and your debt is going to spiral out of control
*
tqtq for the caring and advise. on the way to pay it all up and stop any more installment thumbup.gif
kei18kun
post May 29 2012, 01:21 PM

Coconut in the sea(TM)
*******
Senior Member
5,195 posts

Joined: Jan 2003
From: 500 year old rock ADHD™
QUOTE(brotan @ May 28 2012, 09:38 AM)
Hi Ronnie,

a bit confused.

I am using PBB which combine BT & retail spending under 1x statement. So far no problem because they always give me the final statement how much i should pay (retail + monthly BT repayment) each month. If I settle that, no extra interest

I have the same experience with Maybank (and now also RHB)

Anything that I miss out?
*
confirm here that PBB is fixed and won't have any additional interest even u do retail since i use it b4

is OCBC the same? since few years back its lump together with retail, another card to be careful to do bt if its still the same conditions
« Next Oldest · Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards · Next Newest »
 

Topic ClosedOptions
 

Change to:
| Lo-Fi Version
 0.0190sec    0.58    7 queries    GZIP Disabled
Time is now: 6th December 2025 - 12:04 PM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.