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Credit Cards Balance Transfer (BT) Plans V2 - Banks Offer List
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tigaxxx
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 May 31 2014, 08:26 PM
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QUOTE(hanaby @ May 26 2014, 08:29 PM) 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. That' a lot..... I had about rm15k+ CC debts from 4 gold cards 15 years ago when I was still a bachelor...however I managed to settle everything in 1.5 years... in your case, you should refinance your house to pay the debts, otherwise it would jeopardize ur credit rating imho.. |
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tigaxxx
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Aug 3 2014, 05:35 PM
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Anyone knows any CC offering good BT ? ... ii.e. 0% interest and good promo/gift.......
want to BT about 30k from Alliance VI
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tigaxxx
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Aug 3 2014, 09:01 PM
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QUOTE(guy3288 @ Aug 3 2014, 08:45 PM) BT (6m) to Aeon Card, no charges no interest and, you get 30000 points =RM120 CB Thanks... after skimming thru the options left with Aeon & PB. Most probably willl apply for PB VS for xtra CB This post has been edited by tigaxxx: Aug 3 2014, 09:07 PM |
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tigaxxx
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Aug 4 2014, 09:39 AM
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QUOTE(wan7075 @ Aug 4 2014, 09:31 AM) you mean BT rm6,000,000? only get 30,000 point? rm1 = 0.05 point?  He meant bt rm30k I think. ... |
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tigaxxx
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Aug 5 2014, 04:15 PM
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I plan to BT from Alliance VI to PB VS about 30k under 12-month tenure plan as per their latest promo https://www.pbebank.com/pdf/Promotions/tc_cashback.aspxQUOTE Balance Transfer
1. The Qualified Cardmember can apply for one-time 0% interest BalanceTransfer under 12-month tenure plan, subject to anaccumulated retail spend of RM1,000.
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Note :
For Balance Transfer and FlexiPay offers, an upfront 2%interest will be chargedupon application of the facilities. The interest will be waived within 4 monthsfrom card approval date. In the event that cardmember failed to meet any of theTerms and Conditions stated herein, the current interest rate will be applied So , that's mean I will pay PB total of (2% x rm30k) + (rm2500x12months) = RM30600 ? |
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tigaxxx
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Aug 6 2014, 09:56 AM
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QUOTE Balance Transfer
1. The Qualified Cardmember can apply for one-time 0% interest Balance Transfer under 12-month tenure plan, subject to an accumulated retail spend of RM1,000.
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Note :
For Balance Transfer and FlexiPay offers, an upfront 2% interest will be charged upon application of the facilities. The interest will be waived within 4 months from card approval date. In the event that cardmember failed to meet any of the Terms and Conditions stated herein, the current interest rate will be applied I will answer for my self...  According to CS, for normal BT the 2% upfront interest will be charged for 12 month tenure .... However for this promotion the 2% interest (will also be charged but) will be waived (refunded) within 4 months... seems like a very good deal - 0% everything  instead of paying the whole amount, put the cash in FD |
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tigaxxx
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Aug 16 2014, 03:16 PM
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QUOTE(onnying88 @ Aug 15 2014, 04:03 PM) Yesterday collect my watami card 6pm at ioi mall, on the spot active it and fill in the bt form. This morning 11am receive call for verification, now 4pm just received SMS inform me that BT has been approved. By the way, because of late approval of the watami card, my HSBC cc due date ady reach and I've paid the balance already. Can i request the bt money to transfer straight to my HSBC current account? Or need to wait the bt money reach my credit card account then only call HSBC to transfer the extra balance to current account? Can we do that? Ya, would like to know also.. or just withdraw the balance money without being considered as "cash advance" (no charge) ? This post has been edited by tigaxxx: Aug 16 2014, 04:04 PM |
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tigaxxx
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Aug 17 2014, 07:09 PM
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Need advice from experienced BT'ers here:
I want to bt about 30k from alliance to PB ..due date for my Alliance VI is sept 1 but my application for PB VS still in process. .
assuming my application will be approved, should I pay min. first or pay the whole amount and ask for refund later?
Expect will get my card 2 weeks from now if approved.
if pay min, the interest will be a lot...
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tigaxxx
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Aug 17 2014, 08:44 PM
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QUOTE(victorywp @ Aug 17 2014, 07:42 PM) if you have enough cash flow, i would suggest you to pay full amount and claim back later (call for refund on double payment). i would also suggest that you pay the same amount with your bt amount. in this way, it will be easier for you to ask for refund on double payment. Thanks..I think I'll do that my 30k transaction was posted on 1st aug..they will calculate 18% annual interest for the 95% balance starting 1 aug , which is enormous. .. |
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tigaxxx
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Aug 18 2014, 05:46 AM
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QUOTE(victorywp @ Aug 18 2014, 02:07 AM) 18% starting 1/8? no 20 days free interest? not really sure ... look at T&C here: QUOTE 10.1
The Card member shall not incur any Finance Charge on fresh Retail Transaction during the interest Free Period if all carried forward balances (excluding Cash Advance, Balance Transfer, Installment Payment Plan and other credit plans that may be offered by the Bank to the Card member under the VISA/MASTERCARD CARD Account) from the Card member‟s previous month‟s Statement of Account have been fully settled by the Payment Due Date. However, if only the minimum Payment Due is paid or partial payment of the outstanding balance is made by the Card member on or before the Payment Due Date, Finance Charges on the above mentioned fresh Retail Transactions will be imposed from the day the transaction is posted to the VISA/MASTERCARD CARD Account and such Finance Charge will be reflected in the following month‟s Statement of Account; |
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tigaxxx
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Aug 20 2014, 05:55 PM
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Just submitted BT application to PB today....
let's see how long they will to process it...
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tigaxxx
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Aug 21 2014, 10:04 PM
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QUOTE(peri peri @ Aug 21 2014, 02:14 PM) rm5000 per bank for 6 months 0 interest? which BT package u take? They say less than rm5000 in few banks need charge 1 %, more than rm5000 in few banks need charge 2 %. Is annum interest charges or one time charge? 30k for 6 month...0% Also 0% upront interest This post has been edited by tigaxxx: Aug 21 2014, 10:06 PM |
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tigaxxx
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Aug 23 2014, 01:01 PM
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QUOTE(tigaxxx @ Aug 20 2014, 05:55 PM) Just submitted BT application to PB today (Aug 20th).... let's see how long they will to process it... BT approved on Aug 22 and CS said the money will be transferred on Aug 25th ... save me the interest and the hassle of paying full amount |
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tigaxxx
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Aug 23 2014, 09:55 PM
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QUOTE(victorywp @ Aug 23 2014, 02:11 PM) congrats, you saved a lot from the rm30k bt! thanks... looks like they're pretty fast with BT coz they don't use check i think.. |
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tigaxxx
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Aug 27 2014, 09:52 AM
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QUOTE(tigaxxx @ Aug 20 2014, 05:55 PM) Just submitted BT application to PB today (Aug 20)... let's see how long they will take to process it... QUOTE(tigaxxx @ Aug 23 2014, 01:01 PM) BT approved on Aug 22 and CS said the money will be transferred on Aug 25th ... save me the interest and the hassle of paying full amount Just to update.... money received by Alliance bank on 26 Aug...  Public Bank is very fast for BT |
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