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 9 2012, 04:57 PM
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#1
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam  
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i also just apply new public bank's CC to test out their BT program...
but public bank is very strict lor cause every form (CC form + BT form) need to submit to branch or snail mail to them.... aduh! |
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May 9 2012, 05:16 PM
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#2
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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really??
i call the customer service and they insist me to walk in ler!! i called 3 times in total.. pengz even BT form also can scan and email to them? |
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May 9 2012, 05:20 PM
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#3
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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  to bro Broton.... |
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Jun 2 2012, 10:43 AM
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#4
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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same case like HSBC for this citibank BT.. i also been charged few cents on interest due to the BT plan and the retail spending... in the end, i gave up and settled my BT with HSBC on the third month and no more BT from this HSBC...
at the moment, i am applying bank islam cc in order to try their BT plan  but no sure how fast they would approve my cc application... |
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Aug 16 2012, 05:53 PM
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#5
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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QUOTE(lamode @ Aug 15 2012, 09:54 PM) already got PBB CC, will use the BT for something else... for my case, i applied on 5th Aug and Aeon Shopping Mall and got my cc delivered to my office on 13 Aug... Yes, I know wat i am doing  thx for info, hopefully before the BT ends, otherwise i gonna cancel the card.   Really thumbs up on the speedy processing By Aeon mgmt...  but for bank islam, really speechless, so many months jor still no receive their call at all... and i also no bother to call them to follow up...  |
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Sep 12 2012, 05:33 PM
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#6
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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QUOTE(Titan_Gunners @ Sep 11 2012, 02:25 PM) My 2nd BT with Aeon: Hi, I applied my BT 1st time to Aeon from MBB...BT Form fax on 13th Aug. BT approved on 14th Aug Cheque send to bank on 23rd Aug. Cheque clear on 28th Aug. I would say the respond time is quite good. BT Form fax on 30th Aug. BT approved on 30th Aug. but how to check there is a cheque send to bank? Is it from MBB unbilled Transaction page? I have email and check with MBB, they said so far no cheque yet to send to them... i suppose to settle MBB payment by 16 Sept... Hmmmm, should i settle my full payment now or wait a little bit longer? as i understand the full BT cycle for Aeon take 15 working days as stated in the BT application form...  This post has been edited by leafy: Sep 12 2012, 05:33 PM |
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Sep 13 2012, 08:37 AM
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#7
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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Thanks Titan_Gunners & Gen-X Taikor...  Will call Aeon & MBB accordingly... |
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Sep 14 2012, 10:29 AM
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#8
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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Thanks Sifu Titan- Gunners...
i was so afraid to use my Aeon cc as scare will end up like my HSBC card which monthly cause me to pay extra for the financial charges as i did BT from Ambank to HSBC and also for new swipe...  and i did lodge complaint to HSBC and walk in to their branches... they said they cannot do anything as this is their system limitation and if I want to get refund, i have to walk in to their branch monthly to get the refund....  end up after the third month of Balance Transfer to HSBC, i put a large sum of money there and let it auto deduct monthly...  and will be cancelling this HSBC platinum card in 2 months time too... yipeeeeee |
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Sep 17 2012, 10:03 PM
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#9
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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QUOTE(lamode @ Sep 14 2012, 11:04 PM) wondering if AEON has sent the cheque? if so, any idea when?  halo.... yes yes, Aeon has sent in the cheque to mbb on 5 Sept and the cheque got clear by MBB on 7 Sept 2012... |
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Sep 18 2012, 12:04 PM
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#10
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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QUOTE(Gen-X @ Sep 17 2012, 11:40 PM) and you posted here on 12 Sept before calling MBB CS.... make yourself worried for nothing nope, never call them, i just email to MBB CS prior calling them and it took the MBB CS so long to reply my email after 5 working days i have waited...anyway glad that it's settle on time b4 16 Sept.... QUOTE(Titan_Gunners @ Sep 18 2012, 11:36 AM) If cheque cleared, the info shoule already updated in maybank2u. still no update in my maybank2u... anything that i have miss out? even i just check just now, nothing appear also for BT transaction.... so weird...  |
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Sep 18 2012, 01:10 PM
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#11
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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call jor MBB CS, they said no more outstanding payment prior to 16 Sept and perhaps their system is slow in updating my BT...
hmmm... well, will try another BT this month again... but, well done on AEON BT services... |
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Sep 18 2012, 03:51 PM
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#12
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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QUOTE(Titan_Gunners @ Sep 18 2012, 03:38 PM) Yup, i have 2 BT with Aeon by now. They even accept the application as my Mbb having few BT transaction. btw, what other bank u using for BT Sifu Titan_Gunners... ?so far i tried Bank Islam and Public Bank, both services quite bad so end up i did not tight up with them.... |
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Oct 3 2012, 11:20 AM
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#13
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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QUOTE(ar188 @ Oct 2 2012, 11:30 PM) well it's just a useful financial tool,. if cannot control and dig a deep hole, then blame ownself.. not the tool.. well.. my second BT from MBB to Aeon just got approved too from Aeon and lets see Aeon will take how long to send the cheque to MBB...   to me, i think by using this BT, one got to be fully discipline in controlling ownself finance for this 6 months/ 1 year or even longer until the BT is fully settle and it is like back to those day when u got to pay ur monthly car loan installment time... but when BT is finally over and u will eventually feel relieve and proud of urself that you can make it lar...  |
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Nov 21 2012, 04:34 PM
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#14
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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Year End Sales is here ma...
i also BT- ed 3 times jor since i applied this AEON Card not long ago until my credit limit left 20% only and now cannot do any BT anymore... |
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Nov 21 2012, 04:53 PM
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#15
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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yeah fully understand of the cause and risk also...
so right now have to stay extra kwai kwai at least for another 4 months to settle this old debts.... |
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Nov 27 2012, 04:52 PM
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#16
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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QUOTE(brotan @ Nov 27 2012, 05:15 PM) What Titan_Gunners is trying to say is, BT is like a wolf in sheep clothing so scary the way u put into this It may look innocent and helpful outside, but inside the bank knows that although there will be some who are wise enough to not fall into their trap, there are many more that will end up in more debts because of BT. Main reason for that is, ppl will think they got tons of cash (which they don't have) and if they use the money saved from BT to spend on stupid expensive stuff that they can't afford, they are falling into the bank's trap because sooner or later you have to pay back the money you owe, one way or another and if you can't, then you are digging bigger hole than before This is what the banks HOPE you will do, dig deeper holes so that they can earn more money BUT if we are wise to utilize BT to save interest (and not getting into bigger debts), then we will be just fine Added on November 27, 2012, 4:17 pm new credit card holder or also for existing? but i agree with what u said, as we are using future money then only use 0% BT plan to pay off slowly say like 6 months.... anyway, really have to be super discipline in this lor...  This post has been edited by leafy: Nov 27 2012, 04:53 PM |
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Dec 4 2012, 04:00 PM
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#17
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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QUOTE(brotan @ Dec 4 2012, 04:23 PM) i didn't use personally but heard from previous post quite fast BT approval to Aeon BT... quite fast approval...today submit BT form, either by end of today or latest by tomorrow you will receive their call to verify you and the BT amount... about a week like that most properly your BT amount will get approve and the cheque will be send to B Bank but u have to constantly monitor you B Bank transaction lor... nah, here you go... You can pay at Aeon Credit Facility branch (Counter) but not all Aeon can take in payment example Klang Bukit Raja... http://www.aeonmalaysia.com.my/acs/af/kona...ChannelId=-8820 alternatively you can pay via any atm machine & pos malaysia too, but got some surcharges and i forgot how much jor... This post has been edited by leafy: Dec 4 2012, 04:16 PM |
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Jan 16 2013, 12:35 PM
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#18
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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QUOTE(Titan_Gunners @ Jan 16 2013, 09:28 AM) My latest BT with Aeon... Based on my prediction..... 01/14 BT form submitted by fax 01/15 Get call from Aeon and deatils verified ??? BT approved ??? Payment shown at online banking Lets see whether the payment can be made by this week or not. 17 Jan, BT approved 25 Jan Payment shown at online banking ** not possible for Payment to be made from Aeon to another bank within this week itself based on my humble "experience"... |
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Jan 17 2013, 10:44 AM
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#19
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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no doubt this BT services can help us leverage our "bad debts" problems for 6 months on 0% but i find it one can get addicted to such "benefits" especially me lar...
 whenever want to purchase large stuff (more $$$ involvement) and if that shop do not offer any 0% EPP then will straight away think of my beloved Aeon 6 mths BT scheme.... well, now left few months to go b4 my i get back all my credit limit.... then the cycle goes on and on again.... |
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Jan 17 2013, 08:59 PM
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#20
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Junior Member
98 posts Joined: Nov 2005 From: Shah Alam
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QUOTE(iVW @ Jan 17 2013, 06:58 PM) kindly update OCBC Balance Transfer Plan Can i know what is the difference of this EPP and BT since both also need to pay some sort of 1 time off handling fee/ admin fee?1.88% - 6 Months 2.88% - 12 Months Balance to transfer is amounted to minimum 1K, interest will be charged once at the first instalment. in this case, can we take OCBC as example:- 5 months--> 2% 10 months--> 3% 20 months--> 5% above is the handling fee charges from ocbc and min to do BT also RM1k as well.... hmmm, from what i see compare against OCBC EPP and BT, BT more worthy as the rate is "cheaper" a bit and have extra few months to stretch the "bad debts" Hi Epie, BT to Public Bank sure is fast but their cc is super hard to apply, i been rejected twice so kinda give up jor... maybe is it due to i cancel my saving and current account there before @ Public Bank, so they must have got my record there somehow.... sorry sorry OT too much .... |
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