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

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victorywp
post Mar 3 2014, 09:04 AM

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QUOTE(nilambanting @ Mar 3 2014, 08:49 AM)
Normal Aeon Gold card eligible for 0% Balance Transfer for 6 months? Or must be watami card?
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yes, all eligible.
victorywp
post Mar 3 2014, 02:29 PM

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QUOTE(nilambanting @ Mar 3 2014, 02:27 PM)
Hi, if let say i got done a big purchase like rm10,000 with ocbc, can i apply Aeon and RHB for 2 separate BT to OCBC? It is like i took advance of rm10,000 from RHB to use and Aeon Rm10,000 BT help me to settle OCBC o/s. Hence, can use the ocbc statement (RM10,000) and apply 2 BT from 2 banks?
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yes, you may try it that way. thumbup.gif
victorywp
post May 20 2014, 10:04 AM

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QUOTE(ronnie @ May 20 2014, 08:59 AM)
Direct Access was the first to introduce "free-for-life" CC
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and first to introduce 2% rebate for all petrol stations. drool.gif
victorywp
post May 21 2014, 02:16 PM

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QUOTE(tanuk @ May 21 2014, 10:17 AM)
Hi all , if i have an outstanding of 18k cc debts and the card is not active for months, can i still apply for BT?
Thanks 😥
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not active for months? blink.gif shocking.gif
late payment charges and finance charges on that card can kill you.
which other cc that you have with at least 25k cl to bt to?
victorywp
post May 23 2014, 03:24 PM

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QUOTE(mirako88 @ May 23 2014, 03:15 PM)
guys, need your help here.. i wanted to BT from my CC
but the thing who should i contact... and if i do BT, my CC can continue to use cause the amount had taken off to BT right?
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you still can use your cc because maximum bt is only taken off 80% of your cl.
victorywp
post May 23 2014, 05:03 PM

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QUOTE(mirako88 @ May 23 2014, 04:33 PM)
my limit is 6k and i use it all
dont think that still can use
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with 6k cl, you only can bt 4.8k, so you still can use 1.2k.
victorywp
post May 23 2014, 05:16 PM

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QUOTE(mirako88 @ May 23 2014, 05:09 PM)
i know i can only take out 80%
but i only have one CC. anyway else?
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you need to have 2 cc only can bt.
victorywp
post May 26 2014, 08:50 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.
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are you trolling? hmm.gif

how are you going to do balance transfer when all of your cards already so close to max? rclxub.gif

and with these outstanding, do you think you still can apply for another cc in order to do bt?
and if you really still can, can you get a credit limit of 50k in order for you to do bt for these outstanding (bcs bt can only use 80% of a cc)?
victorywp
post May 26 2014, 09:12 PM

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QUOTE(hanaby @ May 26 2014, 08:54 PM)
So it is not possible to do a balance transfer basing on these figures?
I actually don't really get this balance transfer thing.
It's not merely transferring the outstanding amount of your current credit cards to a instalment plan?
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it's possible to do balance transfer on these figures... but provided you have another cc with a credit limit of rm50k.

balance transfer means transferring your current outstanding from one cc (bank A) to another cc (bank B). so bank B will pay to bank A the outstanding amount (and spread the amount into 6 or 12 months installments) so that you are now owing bank B instead of bank A.

otherwise, you can go for converting your current outstanding with your current bank (upfront flat rate applicable).
victorywp
post May 27 2014, 05:02 PM

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QUOTE(vincentwmh @ May 27 2014, 04:24 PM)
agree, since i so free, just pull my mouse here:-

1) rm40K collectively, if TS can pay FIXED 2K/mth, its gonna take TS, 24mths with rm7913 (18%/pa) interest incurred.

2) if only manage at REDUCING min 5%/mth & fix 500/mth(40th mth onwards), its gonna take TS 62mths with rm14,562 (18%pa) interest incurred.

i think EPP with four banks can't do. i suggest if CCRISS still good, just apply PL bahh
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nicely calculated. rclxms.gif
but by the way, this is not an issue with the ts (thread starter)... this was from qs (question starter). laugh.gif
kesian our dear brotan you know? biggrin.gif
victorywp
post May 28 2014, 10:24 PM

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QUOTE(tbheng @ May 28 2014, 10:16 PM)
Something to share on BT to PB.
I submitted last Saturday via email, until today no call...due date next Monday. sweat.gif
I called and CS told already approved and installment posted yesterday.
I asked why no call to verify one? CS said they will call only when there is a need.  blink.gif
Asked will PB pay my AEON Watami by cheque or IBG?
CS said will pay AEON by IBG except 2 series of cc number : 5470-71xx-xxxx-xxxx or 4726-98xx-xxxx-xxxx.
My Watami strike lottery, they sent out cheque today, should still meet my due date on next Monday, hopefully.  sweat.gif
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my watami bt to uob also uob paid with cheque.
victorywp
post Jun 13 2014, 04:42 PM

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QUOTE(leo_kiatez @ Jun 12 2014, 11:57 PM)
can round up extra RM1, RM2 or RM3? e.g. RM1002 or RM1003? biggrin.gif
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round up to the next ringgit only usually.
victorywp
post Jun 19 2014, 11:30 AM

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QUOTE(bearbear @ Jun 19 2014, 10:58 AM)
Guys for RHB I want to fully utilize it before 30th, so the limit depend on

(a) Available Limit MYR
OR
(b) Available Credit MYR

My available credit is more than available credit.
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what do you mean available credit more than available credit? rclxub.gif

the 80% bt full capacity depends on available limit, but the balance availability depends on available credit.
victorywp
post Jun 19 2014, 12:22 PM

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QUOTE(bearbear @ Jun 19 2014, 11:41 AM)
Sorry my bad

Available credit more than available limit
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which means...

if your credit limit = rm100k
your bt capacity = rm80k

1) if you already used rm30k in your purchase, you only left rm70k balance for bt
2) if you have overpaid rm1k (means cl = rm101k), you still only have rm80k for bt
victorywp
post Jun 19 2014, 02:23 PM

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QUOTE(bearbear @ Jun 19 2014, 02:01 PM)
nothing to do with BT, i know it is 80% of available CL.

What is the difference between available limit and available credit?

Available Limit MYR 4,000
Available Credit MYR 4,500

my 80% based on which?

Does this mean i have unbilled transactions MYR 500 and 80% based on available limit?
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yes, 80% based on available limit.
the 20% covers your unbilled transactions and future transaction.

This post has been edited by victorywp: Jun 19 2014, 02:24 PM
victorywp
post Jun 19 2014, 11:28 PM

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QUOTE(ronnie @ Jun 19 2014, 10:33 PM)
This round of AEON BT I didn't get any SMS on the approval. Did anyone receive their approval SMS for AEON BT ?
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i still receive sms for mine on 13/6.
victorywp
post Jun 30 2014, 11:47 AM

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QUOTE(zr125 @ Jun 30 2014, 11:46 AM)
AEON ask me to call HLB to check.
But HLB said they did not receive any cheque from AEON rclxub.gif
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at least wait 2-3 days for the delivery of the cheque then only call to check.
victorywp
post Jul 4 2014, 10:14 PM

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QUOTE(lucas114 @ Jul 4 2014, 10:01 PM)
New to BT.

Lets say swiped RM1k with MBB Amex during weekend (Got RM50 cash rebate + 5k treatspoints). After the statement date, BT the RM1k from MBB to Aeon Watami. Will MBB reverse the RM50 cash rebate + 5k treatspoints?
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after you bt to aeon watami, not only mbb will not reverse the rm50 + 5k tp, but you further earn yourself 1k aeon points. thumbup.gif
victorywp
post Jul 4 2014, 11:05 PM

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QUOTE(lucas114 @ Jul 4 2014, 10:23 PM)
That sounds interesting.  brows.gif  thumbup.gif
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yeah, not many cc banks will give points for bt..
victorywp
post Jul 6 2014, 03:58 AM

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QUOTE(Jason @ Jul 5 2014, 11:44 PM)
Yup. 0 transactions on AEON so far...
Come to think of it.. need 12 transactions to waive annual fee.. hmm. better go buy small small items 12 times.
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even if without any cashback or points to pump petrol using your cc, it is still better than having to pay for annual fee. so, the easiest and non-paiseh way is to pump rm1 petrol 12 times (pay at the pump).

tips: if you want, you can even go for 10sen x 12 = rm1.20 only for pumping petrol at the pump.
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