Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Balance Transfer (BT) Plans V3 - Banks Offer List
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 Oct 30 2014, 09:00 PM
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#21
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4,524 posts Joined: Oct 2007 From: ~Still finding the place~  
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QUOTE(Lineage @ Oct 29 2014, 05:04 PM) But if I would like to use BT to cover existing BT how? Currently BT is bill month by month..but I want to lump sum BT all.. 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..   Or I should get Public Bank card purely for BT? since they no need statement  |
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Oct 30 2014, 10:33 PM
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#22
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4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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QUOTE(victorywp @ Oct 30 2014, 10:20 PM) 1) you may combine a few cc statements to make it to minimum 1k for the bt application Thanks for your advice.. 2) yes, you may get pbb cc for this purpose  Any specific good card from Public Bank?  This post has been edited by Lineage: Oct 30 2014, 10:34 PM |
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Oct 30 2014, 11:00 PM
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#23
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4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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QUOTE(victorywp @ Oct 30 2014, 10:43 PM)  Not qualified and dont have FD with PBB  |
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Nov 5 2014, 02:05 PM
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#24
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QUOTE(leo_kiatez @ Nov 5 2014, 02:03 PM) Just tried, without statement BT application through MBB email, can't work..CS replied request for Statement.   Why not same standard 1..some need and some no need.. |
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Nov 5 2014, 02:32 PM
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#25
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QUOTE(cyang @ Nov 5 2014, 02:23 PM) This is what I always do. So far only PBB, MBB and AEON provide 0% only right? and only PBB doesn't need statement.. Just I'm confused with the word you used on 'withdraw cash with that card'. Initially I thought you mean you do 'cash advance'. Actually not only HLB can transfer overpay to CASA, others bank can do it too   |
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Nov 5 2014, 02:46 PM
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#26
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4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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QUOTE(iwubpreve @ Nov 5 2014, 02:37 PM) what are the other banks? can tell? sharing is caring bro So far I know MBB can..   |
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Nov 14 2014, 06:35 PM
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#27
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4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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QUOTE(pisanq @ Nov 14 2014, 06:26 PM) i received call just now from mbb asking whether want to bt more than the statement amount. normally mbb never call for all of my previous bt. will post again when approved/rejected later. they offer me to bt up to 90% balance cl 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"..  |
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Nov 14 2014, 08:32 PM
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#28
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4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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QUOTE(victorywp @ Nov 14 2014, 07:02 PM) you say if they offer 0% then you will consider apply more lol... No..I said online apply cheaper 3.88% for 12 months..hahaha..she offer 4% for 12 months..  |
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Nov 15 2014, 08:46 AM
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#29
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QUOTE(simplesmile @ Nov 15 2014, 07:49 AM) Thank you. If you pay minimum amount, bank will charge you according to normal credit card rate interest which is 15% pa or 18% pa depends on your tier.. 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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Dec 11 2014, 02:42 PM
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#30
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QUOTE(underGr0und_8 @ Dec 11 2014, 02:39 PM) Hi guys, As I saw other forumers record, the 3% will be waived after few days..Notice that maybank is offering 12months 0% BT. But do we still need to pay the 3% upfront ? i guess it is needed. correct me if i am wrong. Thanks ! |
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May 1 2015, 09:52 PM
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#31
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4,524 posts Joined: Oct 2007 From: ~Still finding the place~
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Got something to ask those BT experts here..hehehe..
I'm going to apply a house loan, I knew that CC debts will be take into calculation by bank when I'm applying house loan.. But what if I BT outstanding balance to other bank let say 12k and for 12 months installment? Will bank calculate my outstanding balance is 12k or 1k(12k divide by 12 months installment)? Also I'm planning to do BT to MBB, their BT still 0% right? How can I waive the 3% one time up-front fee? |
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