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Credit Cards Balance Transfer (BT) Plans V3 - Banks Offer List

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victorywp
post Oct 28 2014, 08:16 PM

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QUOTE(MGM @ Oct 28 2014, 07:41 PM)
Email BT application on 15-Oct.
One Time Charge on 17-Oct.
Waiver of 3% upfront fee on 21-Oct.
Payment appear on AEON-online 21-Oct.
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this should be by transfer (same like my previous ones). mine latest one was by cheque because aeon cs called me that they received the cheque from mbb.
victorywp
post Oct 28 2014, 11:29 PM

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QUOTE(bee993 @ Oct 28 2014, 11:24 PM)
Lol someone call me say is from akpk wan help me settle my cc debt by offering loan.

I told her dont have this need byebye.

Effect from BT play?

Who else kena same? Haha
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sounds like your close family/friends asked the radio station to prank call you. lol...
victorywp
post Oct 29 2014, 05:04 PM

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QUOTE(Without @ Oct 29 2014, 04:41 PM)
27 Oct 2014 Email to Aeon with BT Apply form & Statement
28 Oct 2014 Aeon replied email.
29 Oct 2014 Received call from Aeon to verify, approved after few hours.

Aeon only accept BT based on Statement amount, you can't go further than that.

BT MBB > Aeon
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statement amount but round up to the nearest ringgit, right? nod.gif
victorywp
post Oct 29 2014, 05:31 PM

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QUOTE(Without @ Oct 29 2014, 05:27 PM)
Multiply by 100 only, if not mistaken.
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multiple by 100 is mbb, not? tongue.gif
victorywp
post Oct 29 2014, 10:25 PM

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QUOTE(Without @ Oct 29 2014, 10:12 PM)
No idea for AEON, but they accept multiply by 100 too  brows.gif
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i tried... but aeon only allowed round up to the nearest ringgit... sad.gif
victorywp
post Oct 30 2014, 10:20 PM

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QUOTE(Lineage @ Oct 30 2014, 09:00 PM)
Guys, any advice for this? If those bank require statement for BT, how can I use their BT to cover my another BT? Example Aeon BT, they need statement for BT application, but my OCBC BT billing month by month..  laugh.gif

Or I should get Public Bank card purely for BT? since they no need statement  icon_rolleyes.gif
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1) you may combine a few cc statements to make it to minimum 1k for the bt application
2) yes, you may get pbb cc for this purpose
victorywp
post Oct 30 2014, 10:43 PM

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QUOTE(Lineage @ Oct 30 2014, 10:33 PM)
Thanks for your advice..  thumbup.gif

Any specific good card from Public Bank?  hmm.gif
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pbb vs: https://forum.lowyat.net/topic/3219080
victorywp
post Nov 1 2014, 11:16 PM

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QUOTE(David83 @ Nov 1 2014, 09:15 PM)
How come? Possible?
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QUOTE(aeiou228 @ Nov 1 2014, 09:35 PM)
You just wrote any BT amount on the application form without OCBC statement and MBB just approved it ?
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yes, mbb also doesn't need other bank statement to support the bt application. first reported success by tigaxxx.
victorywp
post Nov 2 2014, 08:34 AM

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QUOTE(aeiou228 @ Nov 1 2014, 11:43 PM)
Ai say, I dumb dumb faxed the ocbc statement.
OCBC can do over payment transfer from CC to SA or not?
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not dumb if you just follow the rules. i'm afraid if too many people don't attach statement, mbb may be stricter to approve bt already. not sure about ocbc (mbb sure no problem to transfer overpayment to casa).
victorywp
post Nov 7 2014, 09:06 AM

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QUOTE(David83 @ Nov 7 2014, 07:36 AM)
I thought the point of BT is not settle the outstanding by dragging to a longer repayment through transferring to another CC from another bank.

Correct me if I'm wrong.
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yes, you are right. but we see the opportunity to do so without extra cost, so why not? brows.gif
victorywp
post Nov 7 2014, 12:03 PM

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QUOTE(fahrur_07 @ Nov 7 2014, 09:13 AM)
better use fax or email if want to submit BT app without cc statement?
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if compare both, better use fax.
victorywp
post Nov 8 2014, 10:59 PM

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QUOTE(guy3288 @ Nov 8 2014, 10:57 PM)
pleasant surprise.......

MBf zero fee balance transfer offer (ended 31.10.2014) also gave out
Bonus Link Points for BT.

Though i received that offer near its end, still managed to hit  3 BTs
there...... and got 5711 points, RM10 = 3 BL points.

best part is one of them is an overpayment to my MBB AMex and i got that RM5+k refunded into my MBB SA - interest free cash for  6 months.
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wow, good for you bro!
victorywp
post Nov 9 2014, 03:32 PM

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QUOTE(leo_kiatez @ Nov 9 2014, 03:23 PM)
Do you have outstanding balance from BT on this MBB Amex cc? Or MBB also allow the refund although with outstanding balance for BT in the Amex? smile.gif
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mbb allows refund on whatever you paid higher than the statement amount.
victorywp
post Nov 9 2014, 08:11 PM

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QUOTE(leo_kiatez @ Nov 9 2014, 06:20 PM)
But some bank doesn't allow FULL refund if you still have outstanding(e.g. unsettled BT, monthly installments etc) in the cc account..they would minus off all those outstanding & refund the balance amount. Can confirm this is not applicable for MBB? So good?? biggrin.gif
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yes, confirmed. rclxms.gif

because those outstanding is not due. rolleyes.gif

This post has been edited by victorywp: Nov 9 2014, 08:12 PM
victorywp
post Nov 9 2014, 09:19 PM

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QUOTE(lamode @ Nov 9 2014, 08:31 PM)
interesting question... imagine the CL is 20k, 80% of it, which is 16k already used for BT, then i overpaid 10k, which makes the available limit as 14k, and i used 11k for another BT.

once both BT are approved and is MBB going to allow me to transfer the 10k overpaid back into SA/CA?  hmm.gif
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based on your example, you can get back your overpayment of 10k minus off the 1.3k statement amount which is around 8.7k (if you did not use another 11k for new bt). if you use it for another 11k bt, you can't get the refund because you took more than 80% already if they refund you.
victorywp
post Nov 10 2014, 12:05 AM

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QUOTE(guy3288 @ Nov 9 2014, 09:57 PM)
from my experience, talking about MBB, your 11k BT would be declined. your 'actual' CR balance is 4k, can do BT for RM3200 only. Overpayment does not count, unlike Aeon.

But MBB refund is simple, say statement showed payment due RM2000, if you pay RM10k, can get refund RM8k, no deduction from current outstandings accumulated, again different from Aeon.

I had overpayment RM9700+ in Aeon on 3.11.14 when i requested refund (after Aeon declined 2 BTs), by the time the officer called to approve it on 7.11.14 the refund amount has reduced to RM5700+ , deducted BT installments posted from 3-7.11.14. Interest free cash advance, never mind.
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bro, he can't even do the 3.2k bt anymore. he already maximised the whole 80% of his 20k cl. the 4k cr is the 20% cl left for his normal use.

so he can only get refunded of his overpayment 10k minus off whatever in his statement balance.
victorywp
post Nov 10 2014, 12:22 AM

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QUOTE(leo_kiatez @ Nov 9 2014, 10:42 PM)
Interesting! Thanks for all the replies sifus......Has anyone did overpayment to OCBC CC before? Possible to request for the overpayment amount refund back to OCBC CASA account without any charges? tongue.gif
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never try that before (although i have casa with ocbc) because i will only overpay to my aeon cc to allow more bt in order to earn more points. lol...

nowadays i do around 7-8 bt per month. very fast maximise all my cl. sad.gif
victorywp
post Nov 10 2014, 10:13 PM

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QUOTE(Candlenie @ Nov 10 2014, 09:30 PM)
just wondering, possible to request BT to my mbb if I havent get that month's statement from another bank?
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possible... just try to fill in the mbb bt form and fax to them (without statement).
victorywp
post Nov 10 2014, 10:49 PM

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QUOTE(Candlenie @ Nov 10 2014, 10:41 PM)
what if i dont have a fax machine? possible just scan in and email? I think the website only says postage / fax
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if email, the chances of being rejected (without statement) is higher...

otherwise you just print screen (from online) your outstanding balance to attach.
victorywp
post Nov 10 2014, 11:41 PM

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QUOTE(Candlenie @ Nov 10 2014, 11:32 PM)
ohh...ok thanks guys. Just afraid if I wait for statement, it might delay the payment to the other bank in case there is delay in processing from mbb side?
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as suggested, if you don't want to wait for statement, you may just print screen your outstanding amount to be attached together with your bt application.

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