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

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victorywp
post Nov 14 2014, 11:07 AM

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QUOTE(shuangping @ Nov 14 2014, 10:54 AM)
SIFU,but aeon not allow me to BT more than my oustanding.

Like that i cant get peanut money... cry.gif
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you fax over?
victorywp
post Nov 14 2014, 12:26 PM

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QUOTE(shuangping @ Nov 14 2014, 12:19 PM)
yes,they asked me email them statement.
After i email them statement,they not allow cry.gif  cry.gif
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then you try to print screen your outstanding balance from online. should be higher than 1k right?
victorywp
post Nov 14 2014, 05:09 PM

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QUOTE(simplesmile @ Nov 14 2014, 05:00 PM)
Is it a must to show statement balance from Bank B if I want to do a balance transfer from Bank B to Bank A?
1. Is there any bank that do not require a statement?
2. And which bank, if require a statement, then online statement is sufficient.
Please let me know. I'm planning to apply BT from 8 different banks.
*
if you mean 0% bt:
1) pbb the only one doesn't require statement
2) aeon, mbb
victorywp
post Nov 14 2014, 07:02 PM

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QUOTE(Lineage @ Nov 14 2014, 06:35 PM)
I received call from OCBC last week, asking me whether want to apply for BT or not, still got around 22%..lol..I said I did 10k already..dont need more..then she straight said "thank you, bye"..  sweat.gif
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you say if they offer 0% then you will consider apply more lol...
victorywp
post Nov 15 2014, 08:41 AM

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QUOTE(simplesmile @ Nov 15 2014, 07:49 AM)
Thank you.
Can anybody explain how the repayment of the Balance Transfer works?
Example I have RM12k with Bank A, and I transfer RM12k to Bank B at 0% interest for 12 months. Do I have to pay RM1k every month to Bank B? Or I can pay the minimum amount which is 5%, means RM600 only?
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some banks do allow paying just minimum without interest, but not for the above. actually it's also better/easier to pay monthly 1k based on your example.
victorywp
post Nov 16 2014, 09:57 PM

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QUOTE(mitodna @ Nov 16 2014, 08:39 PM)
Can you share the method to e-mail BT to MBB? I didn't see any option of e-mailing them. Thanks.
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fill in this form and send to this email: mbbcardservices@maybank.com.my


victorywp
post Nov 18 2014, 11:41 AM

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aeon is very fast now...

i just fax over my bt application form and within 30 minutes i received their call! shocking.gif
unfortunately, my cl is not enough so need to pay certain amount to clear the cl space for bt. sweat.gif
so my application is still pending...
victorywp
post Nov 18 2014, 03:41 PM

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QUOTE(*devilelle* @ Nov 18 2014, 02:58 PM)
I have juz got mbb bt. can I apply another bt to mbb again?
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yes, as many as you want, as long as within 80% of your credit limit.
victorywp
post Nov 19 2014, 12:32 AM

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QUOTE(??!! @ Nov 18 2014, 11:44 PM)
Read up to page 20 ---taking a breather now.
Thanks to all contributors for all the great tips  rclxms.gif

Just a quick re-cap of what I understand from what I read so far.

So, I can technically ask for Max margin of CL allowed by say PBB or MBB in the BT, and ignore what I actually owe on my other credit cards.
(Since no statement required , and it seems that the bank offering BT is ok to allow an 'over-payment' to the other bank)

Just  max out the limit in 1 application rather than do in many rounds?
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yes for pbb because some were being asked to submit statement for mbb. so it depends on individual for mbb.
victorywp
post Nov 19 2014, 01:33 AM

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QUOTE(??!! @ Nov 19 2014, 01:15 AM)
Thanks for reply!

One more question, if the BT plan is still ongoing with balance installments unpaid but not due , would any new retail transactions still be enjoying the 20 days interest free period until statement due date?
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the bt instalments will be posted every month in your monthly statement together with all your retail transactions. so when you receive your statement, you have 20 days free interest period to pay all together. so it's not affected.
victorywp
post Nov 19 2014, 04:07 PM

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QUOTE(victorywp @ Nov 18 2014, 11:41 AM)
aeon is very fast now...

i just fax over my bt application form and within 30 minutes i received their call!  shocking.gif
unfortunately, my cl is not enough so need to pay certain amount to clear the cl space for bt.  sweat.gif
so my application is still pending...
*
yeah, they called this afternoon and now received sms saying that my 3 bt applications approved! rclxms.gif
this month completed 5 bt again. thumbup.gif
victorywp
post Nov 21 2014, 12:07 AM

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QUOTE(GOLILA @ Nov 20 2014, 11:28 PM)
Mean I need to wait my citibank stamen come out then only can apply the bt?
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yes, otherwise you may use online print screen.
victorywp
post Nov 21 2014, 03:01 PM

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QUOTE(guy3288 @ Nov 21 2014, 02:29 PM)
MBB refund is too haphazard.

my MBB statement was 5+k.
I did BT 5+k twice to 2  other banks, so  MBB got paid 5+k x 2 - i asked for -refund of one of those 2 payments , RM5+k refunded to my MBB SA- done.

Then i use PBB BT to pay another RM7+k to MBB. I emailed in asking for refund of that 7+k. Next 2 days i made a call enquiring about that refund 7+k,  the CS told me only got CR 5+k (must be RM7+k - current spends), and she said she will  refund that 5+k.

Then next day i received 2 refunds same day, RM7+k and  5+k in my SA.
So MBB has actually over refunded. hope they are not going to charge me interest as in effect my that statement balance of 5+k was not paid at all, since paymnent has been refunded back, infact refund amount is more that that statement amount!.
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interesting... even up to the extend of over refunded... notworthy.gif
victorywp
post Nov 22 2014, 09:26 AM

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QUOTE(ckk125 @ Nov 22 2014, 08:58 AM)
can i actually BT installment plans(those 0% interest installment for 12 months purchases) from hsbc to mbb?
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you can bt the total amount of whatever description shows in your statement.
victorywp
post Nov 25 2014, 08:23 AM

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QUOTE(yong417 @ Nov 25 2014, 08:19 AM)
Just to share my recent BTs experience~~

10 NOV - Handed over the BT form and CC statement to AEON Credit
11 NOV - Received verification call from AEON
11 NOV - "Approved" SMS received on 5pm
18 NOV - Payment cleared and reflected in my MBB statement.  rclxms.gif  rclxms.gif
**********************************************

13 NOV - Handed over the BT form and CC statement to MBB 
17 NOV - Notification of approval received
18 NOV - Payment cleared and reflected in my AEON statement  rclxms.gif  rclxms.gif

It appears both AEON and MBB reacting vy fast on BT applications~~~  rclxms.gif
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both handed over by hand?
victorywp
post Nov 25 2014, 04:27 PM

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QUOTE(~Eveready~ @ Nov 25 2014, 11:09 AM)
Off Topic: how do u guys request to increase credit limit for:

- Maybank
- Aeon credit
- Public bank

Got any link for application form or...?
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mbb got form to fill & then just email with attach of your 3 months salary slips.

aeon just email with attach of your 3 months salary slips (no form needed).
victorywp
post Nov 26 2014, 09:43 PM

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QUOTE(pisanq @ Nov 26 2014, 09:07 PM)
3% is 2511, u bt 83700?
*
i wish i can bt this much...
victorywp
post Nov 26 2014, 09:47 PM

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double post

This post has been edited by victorywp: Nov 26 2014, 10:09 PM
victorywp
post Nov 29 2014, 09:10 AM

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QUOTE(playboy88 @ Nov 29 2014, 08:18 AM)
hi all, just want to know lah...if we do the balance transfer via maybank to the amex cc, do i get any extra benefit like point or cash rebate?
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you mean bt from othet bank cc to mbb2amex? no extra benefits other than prolong your repayment time to 12 months instalments.
victorywp
post Dec 1 2014, 02:39 PM

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QUOTE(coolkidz @ Dec 1 2014, 02:29 PM)
Hi all sifus,

May I check if e.g. currently I have a BT plan with Bank A and I will like to BT the amount in Bank A to Bank B, will that be possible?

Sorry if this been asked before however am not sure what soft of keyword to search in the thread. Thank you.
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yes, it's possible to bt from bank A cc to bank B cc and back again. just need to meet the minimum requirement of rm1k per bt application form.

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