Apply PB-Esso Mobil Visa Gold Credit Card. It's the only PB card with no annual fee. All other cards have conditions: 12 swipes per year, at least one swipe per month.

I think PB card is only useful for balance transfer, so this card may suit you.

Just to add to this

1) Personal loan is last choice due to high interest rate
2) Not sure if this is the right term, but in principle you only have 1 BT "account" per bank irrespective how many different cards you have with the same bank

suggest that except AEON cc, the rest you BT to Aeon. The amount you owe Aeon i suggest you pay it off with cash

then apply other cc for BT purpose. I personally would suggest BSN although they don't have 0% BT because of low min BT amount requirement

My income is not high..i think RHB has been over generous, trying to encourage us to spend more.
My uob & ocbc & Mbb credit limit half of what was given by RHB.

i am using non islamic platinum Visa.

You can see here...http://www.rhb.com.my/cards/credit-card/cc_platinum_main.html

Basically the benefits not so attractive except Plaza premium lounge 4X access..to apply just need min 48K/annum salary

For existing member i tink there's no 0% BT for 12 months. got another offer on PBB website. iirc 6 months BT 0%

that means they charge 3% upfront fee

sent the bt application form last monday..until now no news..shall i call to ask?

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?

Thanks!
Yes, I am lazy to search so I ask. I ask better than I know nothing.

Everyday in the forum, many ppl are asking questions that are already been answered. I guess you must be busy doing this.

The spoiler are nice, maybe next time can try a longer one! Oh ya, thanks too! After some clicking exercise, I get the answer from your spoiler too.

took Public Bank almost 3 weeks to process my card and BT application. in the end, they process my BT that maxes out my credit card limit and when i received the card today, i cant even use it bcos it has no credit limit left. LOL.

Not that im complaining la, just that i have to pay before i can use the card

Oh yeah , the credit limit give was only 30k, quite low

Some info for AEON Balance Transfer
1. Minimum amount to be transferred per bank = RM100
2. Minimum total amount to be transferred = RM1000 (i.e. Bank A : RM400, Bank B : RM600 is allowed)

amex can

bearbear,

thanks for clarification. i thought u guys has come out a better way.

Yes, that's the method i am using.

1)on yearly basis, i pre-arrange all my&wifey+parents ins premiums (personal&HP) on auto-debit(s) same month, all to a CC card.
2)then always have my direct access or rhb ready for BT.
3)dump the PRE-12-months ALLOCATED premium monies to FD; and
4)pay 0%-6mth BT.

so far benefited from this own designed cash-flow since 2009 (pre-planned&timed CC auto-debit since 2008 tho)

For BT user(s), its free gain with just a min effort in cash-flow management.

yup, for the last 7yrs, i only missed 1yr where both bank not offering that time. my BT month is always on Mar yearly.

normally, both DA & RHB will have this 6mth-0%. if not at least one of them will have.

Do we need to attach the CC statement with PBB Balance Transfer form ? From the application form, it didn't require it.