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

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pisanq
post Sep 28 2014, 07:59 AM

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QUOTE(LostAndFound @ Sep 28 2014, 07:44 AM)
Can't find this info on their FAQ or T&C or website, could this be added to OP?

If I have one CC (HLB) with 1.4k bill and one more (OCBC) with RM300 only, can I combine both? The RM1k minimum applies for total right?
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can combine, min 1k is for total bt
victorywp
post Sep 28 2014, 08:13 AM

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QUOTE(LostAndFound @ Sep 28 2014, 07:44 AM)
Can't find this info on their FAQ or T&C or website, could this be added to OP?

If I have one CC (HLB) with 1.4k bill and one more (OCBC) with RM300 only, can I combine both? The RM1k minimum applies for total right?
*
yes, correct. the 1k minimum applied for total.
cybpsych
post Sep 28 2014, 08:18 AM

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QUOTE(victorywp @ Sep 28 2014, 12:11 AM)
the 3% upfront fee show as "one time charge" in your statement, and it will be waived after few days. other than that, no other fee involved. so you can freely try it any time. smile.gif
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Those who BT to MBB, is the 3% upfront fee = 3% waived amount?

Remember saw few gotten waiver not equal amount than charged.
tbheng
post Sep 28 2014, 08:20 AM

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QUOTE(cybpsych @ Sep 28 2014, 08:18 AM)
Those who BT to MBB, is the 3% upfront fee = 3% waived amount?

Remember saw few gotten waiver not equal amount than charged.
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Mine waived completely.
tbheng
post Sep 28 2014, 08:31 AM

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QUOTE(guy3288 @ Sep 27 2014, 08:46 PM)
Sigh, last 2 Aeon BTs declined again.Total declined by Aeon 4 already.Successful Aeon BT =31.
Declined once by PBB- overpayment cannot be used for BT at all, unlike Aeon. Succesful PBB BT = 10.
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Guess that AEON has taken note on your last reject and new applications got harder. Were the 4 rejects due to > 80% CL?
For now maybe just BT between PBB and MBB and let your AEON acct "cool down" and "recuperate" first with more available CL. tongue.gif
Hope after a few cycles of installment repayment (via BT to PBB/MBB) will allow further BT to AEON.

QUOTE(victorywp @ Sep 27 2014, 09:00 PM)
you are the champion of bt! combining all, i only 20+ but you already 40+...
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I have 25 todate. blush.gif
victorywp
post Sep 28 2014, 08:42 AM

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QUOTE(cybpsych @ Sep 28 2014, 08:18 AM)
Those who BT to MBB, is the 3% upfront fee = 3% waived amount?

Remember saw few gotten waiver not equal amount than charged.
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yes, that's the amount to be waived completely.

not equal amount may due to the users bt from more than 1 cc/bank, in which perhaps mbb takes longer time to process.

for those who bt from 1 cc no problem receive complete waiver.
for those who bt from more than 1 cc/bank, some receive complete while some partial, so it may be due to slower process from mbb to certain banks.
victorywp
post Sep 28 2014, 08:52 AM

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QUOTE(tbheng @ Sep 28 2014, 08:31 AM)
I have 25 todate.  blush.gif
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i have 26 lol... i think now monthly i will try to bt 5... brows.gif
bearbear
post Sep 28 2014, 09:51 AM

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mine wasn't waived 100% and the cs says should not be the case, he is checking for me and will revert. at the mean time he claimed they will waive it manually from the system.

if you have the same issue with me i suggest to call because it seems to me they have not realized what is the issue.
cybpsych
post Sep 28 2014, 12:04 PM

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QUOTE(tbheng @ Sep 28 2014, 08:20 AM)
Mine waived completely.
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QUOTE(victorywp @ Sep 28 2014, 08:42 AM)
yes, that's the amount to be waived completely.

not equal amount may due to the users bt from more than 1 cc/bank, in which perhaps mbb takes longer time to process.

for those who bt from 1 cc no problem receive complete waiver.
for those who bt from more than 1 cc/bank, some receive complete while some partial, so it may be due to slower process from mbb to certain banks.
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thanks for the clarifications, guys nod.gif
sj0217
post Sep 28 2014, 01:06 PM

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QUOTE(victorywp @ Sep 28 2014, 08:52 AM)
i have 26 lol... i think now monthly i will try to bt 5... brows.gif
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Do you mean you BT 26 within a year??? shocking.gif

I'm just curious why you guys BT so many times,
Example:
- Bank A to Bank B this month
- bank B to Bank C or back to bank A next month and continuously on next months...

I know BT to Aeon to get the point. But to MBB no point is earn, is it the amount you BT can invest to somewhere else or FD to be earn for some interested instead of one lum sum pay off your statement bill?

victorywp
post Sep 28 2014, 01:20 PM

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QUOTE(sj0217 @ Sep 28 2014, 01:06 PM)
Do you mean you BT 26 within a year???  shocking.gif

I'm just curious why you guys BT so many times,
Example:
- Bank A to Bank B this month
- bank B to Bank C or back to bank A next month and continuously on next months...

I know BT to Aeon to get the point. But to MBB no point is earn, is it the amount you BT can invest to somewhere else or FD to be earn for some interested instead of one lum sum pay off your statement bill?
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aeon to mbb first, then all my other cc to aeon. total 5-7 bt monthly. but i think 5 still achievable, the other 2 can't.
codeiki
post Sep 28 2014, 04:18 PM

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I BT slightly >50 if count by statement/bank (not number of BT form sent because sometimes few bank in a form). After about 2 months gap, able to BT using AEON again. Still not sure the reason behind.. At the mean time, I successfully increase my credit limit for my AEON... almost double my initial CL. tongue.gif Thanks for clarifying the maybank promotion. I think I will increase my maybank CL first then. smile.gif

This post has been edited by codeiki: Sep 28 2014, 04:22 PM
jasontoh
post Sep 28 2014, 05:09 PM

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QUOTE(codeiki @ Sep 28 2014, 04:18 PM)
I BT slightly >50 if count by statement/bank (not number of BT form sent because sometimes few bank in a form). After about 2 months gap, able to BT using AEON again. Still not sure the reason behind.. At the mean time, I successfully increase my credit limit for my AEON... almost double my initial CL. tongue.gif Thanks for clarifying the maybank promotion. I think I will increase my maybank CL first then.  smile.gif
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How to increase the limit from AEON? I don't see any form in the website.
lamode
post Sep 28 2014, 05:19 PM

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QUOTE(jasontoh @ Sep 28 2014, 05:09 PM)
How to increase the limit from AEON? I don't see any form in the website.
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it's available in branch.
otherwise, u can bring a cover letter when u submit or support documents through email.
enkil
post Sep 28 2014, 05:44 PM

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Wow! You guys keep track of how many times do BT smile.gif
victorywp
post Sep 28 2014, 06:04 PM

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QUOTE(jasontoh @ Sep 28 2014, 05:09 PM)
How to increase the limit from AEON? I don't see any form in the website.
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just email your latest 3 months salary slips to them and they will do the the rest.
leo_kiatez
post Sep 28 2014, 10:56 PM

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QUOTE(victorywp @ Sep 28 2014, 08:13 AM)
yes, correct. the 1k minimum applied for total.
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What about rm500(Bank A) +rm500(Bank B) in a BT form? Workable for MBB BT?
victorywp
post Sep 28 2014, 11:26 PM

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QUOTE(leo_kiatez @ Sep 28 2014, 10:56 PM)
What about rm500(Bank A) +rm500(Bank B) in a BT form? Workable for MBB BT?
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for aeon yes.

for mbb, i think should be yes too.
but i never try before because i will only bt aeon to mbb. then all others to aeon. biggrin.gif
TSbrotan
post Sep 29 2014, 09:49 AM

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QUOTE(leo_kiatez @ Sep 28 2014, 10:56 PM)
What about rm500(Bank A) +rm500(Bank B) in a BT form? Workable for MBB BT?
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mbb i tried, is total 1k. not per bank
iamoracle
post Sep 29 2014, 10:31 AM

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QUOTE(brotan @ Sep 29 2014, 09:49 AM)
mbb i tried, is total 1k. not per bank
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Referring to point #2 of the T&C, does that mean we can BT any amount less than the min. of RM1,000 after the first BT?

5. Campaign Mechanics:-

i. 12 months Instalment Plan - Interest Rate at 0% per month.

ii. The minimum transfer amount is RM1,000 and subsequence amount is in multiply of hundred.


Source: http://www.maybank2u.com.my/WebBank/BT090914_tnc.pdf

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