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

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tbheng
post Dec 24 2014, 12:36 AM

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QUOTE(pisanq @ Dec 23 2014, 03:08 PM)
this is longest waiting time for my BT from aeon to mbb. no sign at all at mbb, no 3%, no deduction on available CL

update: aeon unbill updated with payment from mbb. nothing detected from mbb yet haha
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QUOTE(ronnie @ Dec 23 2014, 03:32 PM)
Same here... when did you submit your MBB BT application ?
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I submitted mine to MBB on 15 Dec 5pm, until now nothing shown on MBB side, but payment already received at AEON (Trans Date=18 Dec, Posting Date=19 Dec). Somehow MBB is very slow in the update this month. yawn.gif
tbheng
post Dec 24 2014, 10:28 PM

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QUOTE(fruitie @ Dec 21 2014, 10:41 AM)
Yeah and maybe it was my first time requesting, not too sure but got back all plus cash rebate is really a good news for me. biggrin.gif
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QUOTE(ronnie @ Dec 21 2014, 10:24 PM)
Soon MBB gonna stop this cashing out excess payment ....hahahaha
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Just checked, I got full refund posted today to my SA; from BT to PBB without statement on 15 Dec. 9 days all in. thumbup.gif
tbheng
post Dec 29 2014, 05:16 PM

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QUOTE(fruitie @ Dec 29 2014, 12:58 AM)
I just swiped another 8k on my MBB, but I only have Aeon for BT now. Promised myself that my previous BT was the first and last time. However, I cannot resist la. laugh.gif
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Yes, mind u, it is addictive, sis... laugh.gif
Maintain a good discipline and you can ride through it without incur any charges. nod.gif
tbheng
post Dec 29 2014, 05:44 PM

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QUOTE(fruitie @ Dec 29 2014, 05:26 PM)
Yeah, damn it. laugh.gif
Luckily I'm very disciplined when it comes to payment. biggrin.gif
However, I'm not able to BT the total amount to Aeon as it will max out my CL.
I only have 12k CL I think, 6k+ already used for previous BT. My first payment will due on 1st Jan and it will add back another 1118 into CL.
Anyway, long way to think of this as my Maybank bill only due in mid of Feb. biggrin.gif
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Not sure is yours a watami card, if yes, even u BT 5k, it will get you 5k reward point worth RM20 credits. 2 free lunches... drool.gif
tbheng
post Dec 29 2014, 06:07 PM

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QUOTE(fruitie @ Dec 29 2014, 06:00 PM)
Just Aeon Gold for PPL access. laugh.gif
I'll apply for Watami soon but it makes no difference for me as both share CL isn't it?
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Yes, normally shared limit. But AEON seems quite easy in approving CL increase request. Probably due to the nature of their business model. tongue.gif
And AFAIK, you only get reward points by BT to watami. cool2.gif
tbheng
post Jan 6 2015, 07:05 AM

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QUOTE(MiKE7LIM @ Jan 5 2015, 08:54 PM)
Hi bro, confirmed only BT to watami can get 1-1point? icon_idea.gif
But only my gold card linked with my j card...

biggrin.gif
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QUOTE(bearbear @ Jan 5 2015, 09:26 PM)
Gold also get, RM2 = 1 pt

Watami should be same? hmm.gif
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For Watami, RM1 get 1 point. 12,500 points redeem as RM50 credit into cc statement (not shopping/cash vouchers).
Not sure about Aeon gold card as I do not have the card. Maybe bearbear can confirm the value of point in this card.
tbheng
post Jan 16 2015, 07:21 AM

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Guys, bad news...
AEON told me (after a few calls and bodek-bodek) from this month onwards, for each card holder, they will only approve BT every 6 months!!! shakehead.gif cry.gif

Full story...
I have been applying AEON BT every month since April last year, all approved. Had CL increase >60% in between too.
My last BT was rejected 2 days back, notified via sms.
I was surprised as total outstanding + new BT is way below 80% CL.
Called CS to ask for reason, she informed reason unknown, ask to pass the line to BT team, no one pickup. She ask to resubmit, I requested for BT team to call me. No call at all. I called again, another agent transfer line to BT team, no one pickup again after 5min. She gave same answer: rejection reason unknown. She also explained applications are subject to BT team approval after assessing card holder's credit rating, including 80% of CL, good payment records, complete doc, etc. After some chatting (I told my last BT also no problem), then only she said she din know I had BT last month, as they have a new rule that says card holder can only apply BT every 6 months. This is a new approval guideline from this months. She was reading out from some internal instruction. I ask her to send me. she said not authorised to do so. Seems like a day time thunder storm. cry.gif

nahtanoj, guy3288, MGM, pisanq, this might explain the rejection to yours recent BT.
lucas114, care to inform is this is your first BT for AEON?

tbheng
post Jan 16 2015, 07:22 AM

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QUOTE(fruitie @ Jan 15 2015, 11:29 PM)
Suddenly so many rejections for Aeon, I better follow the proper process until my MBB statement is generated only submit to them.

Hopefully I won't be rejected... It will be my second BT only. blush.gif
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Sis, do let us know your result. (they might be lenient to new BT-ier).
I meant to quote you in my previous post, but only allow to quote 5 members at a post.

tbheng
post Jan 18 2015, 12:13 AM

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PBB BT approval and payment is super fast!
I applied on 14 Jan, and payment already received/posted in MBB on 16 Jan! shocking.gif thumbup.gif
tbheng
post Jan 18 2015, 12:06 PM

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QUOTE(guy3288 @ Jan 18 2015, 11:28 AM)
how many points you guys have collected from Aeon so far?
I have redeemed my  points twice so far, RM200 (50k points) on 15.6.14 and
RM250 (62.5k) on 16.10.14.
My latest statement gave me 15k points, now got bal 57.6k points, another Rm200
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I have been redeeming RM50 every month for the past 7-8 months, mainly from BT.
But good time is over...sad cry.gif
tbheng
post Jan 21 2015, 07:43 AM

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QUOTE(lee1234 @ Jan 20 2015, 01:04 PM)
I get rejected by AEON balance transfer :'(
the officer told me new rules, 2nd BT only can do after 6 months...
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This really confirmed what I was told when my last BT was rejected. Sad... sad.gif cry.gif
tbheng
post Jan 28 2015, 02:00 AM

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QUOTE(bearbear @ Jan 27 2015, 08:39 PM)
First try with affin

Submitted through e-mail ( I google affin credit card email). Note that I did not receive any call or email response. In the evening received SMS notifying me it has been approved.
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Wah, approved on the same day! Congrats...
Required statement? Is it min 5k per cc?
Worth to consider to get the cc. smile.gif
Which Affin cc you applied for? Thanks.
tbheng
post Jan 29 2015, 12:03 AM

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QUOTE(fruitie @ Jan 28 2015, 11:50 PM)
Submitted to Aeon yesterday via email and didn't put in any hope at all. Today received SMS that it got declined. laugh.gif
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Oh boy! Second timer also got rejected. They are really serious this time. sweat.gif
tbheng
post Feb 4 2015, 07:49 AM

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QUOTE(jasontoh @ Jan 16 2015, 08:47 PM)
I really doubt they can do that if it is not in their T&C. As long as the limit is enough and you provide all the documentations, they should approve like within a day. Maybe I can try this coming month.
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QUOTE(jasontoh @ Feb 3 2015, 04:46 PM)
Seems like the 6 months once BT is real. Mine was rejected as well.
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Yes, they have the final decision on approval...without providing reason, in fact.
tbheng
post Feb 12 2015, 07:37 AM

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QUOTE(guy3288 @ Feb 11 2015, 09:16 PM)
It seems maybank does show  the 3% charge (waivable) fee anymore for out BT.

my last BT from MBF Card to MBB , approved and paid on 31.1.15,
but until today i dont see the  3% fee on the transaction list online.
How about you guys?
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Same here. No 3% fee/reversal posted since the last 2 months.
tbheng
post Feb 26 2015, 04:27 PM

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QUOTE(alexwsk @ Feb 26 2015, 03:37 PM)
who cares about japanese food
we only look at the 3%  brows.gif  drool.gif
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+11111 laugh.gif
And now it is my backup cc for petrol when my Wise/Amex are max out. thumbup.gif

This post has been edited by tbheng: Feb 26 2015, 04:29 PM
tbheng
post Feb 26 2015, 05:59 PM

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QUOTE(yusiang @ Feb 26 2015, 04:52 PM)
petrol transaction excluded from 3% CB...
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QUOTE(victorywp @ Feb 26 2015, 05:27 PM)
but can get 5% for sunday petrol transactions separately.
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Yes, 5% on Sunday.
I have been keeping the card in the drawer since all the auto debit has max out the 3%.
And use it once a year on birthday month.
Only lately will take it out on Sunday for 5% for petrol. thumbup.gif
tbheng
post Feb 27 2015, 09:39 AM

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QUOTE(pisanq @ Feb 27 2015, 08:34 AM)
i asked cs, citibank 0% bt offerred to selected card holder only. this is the main reason i'm cancelling my citibank cc
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I am with the same fate as you. cry.gif
Did they conter your cancellation by accepting your 0% BT?
tbheng
post May 1 2015, 10:03 AM

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Hi anyone know if Affin bank is extending its 0% BT promo? unsure.gif
Their website still keeping the old expiry date of April 2015.
Only manage to do 2 rounds.. sweat.gif
tbheng
post May 1 2015, 10:09 AM

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QUOTE(MGM @ Apr 24 2015, 06:03 PM)
U r right. But my BT merry-go-round has accumulated so much  I might use up 80% of my AEON CL for d next BT.
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Yeah, mine in June too, will submit one shot kaw kaw... nod.gif
Every 6 months is pretty long wait... yawn.gif sigh..

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