Hi guys,

When getting BT, the most common question to ask is early interest, interest per month, minimum payment per month or installment per month, early settlement penalty, consequences of miss payment or default, existing or new customer rate.

What else did i miss?

This post has been edited by owenwong84: Nov 23 2012, 01:21 PM

Of course to clear off debt with lower interest.

Can anybody give some comment on my table such as outdated rate or wrong calculation?

I'm trying to search the cheapest rate BT for the 12 month. Using RM15k as example.

Yes, been to Melaka convention centre PIKOM.
While applying UOB BT, Citibank got 0.99% per annum. Reducing balance. Haiz... should throw all outstanding to Citi

Ask the sales girl provide brochure said dun have... Memo only.
The application form there got stated.

This post has been edited by owenwong84: Dec 17 2012, 01:12 PM

An agent told for applying BT have to ask carefully about the separate account and combine account.

Separate account is good
Combine account very hard to track. The agent told me the money to repay the outstanding will deduct BT amount 1st. Then the retail charge will keep bring forward with CC interest.

Wanted to cry man... Survey survey last week RHB the most suitable for my case 4% Flat per month for 12 months. Eligible for existing card. So go apply.

Then yesterday Citibank call offer 3.99% reducing balance....Last week ask the rate is 7.xx% Why lah Citi different agent give different rate one. Can save half of the interest man...

PBB kena reject. I want 12 months programme.
Agent called, calculate calculate, interest very low...... When want to check with RHB, then got sms RHB approved. Go online check, start to charge...