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

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victorywp
post Oct 3 2015, 01:59 AM

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QUOTE(suadrif @ Oct 3 2015, 12:27 AM)
guys
if i have a personal loan rm10k to be settle, would it wise if i purchase 3 units of new iphone using my credit card, sell all the iphones, full settlement my personal loan and then quickly apply 0% balance transfer for my credit card balance?
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if you are able to sell them off so fast, why not?
suadrif
post Oct 3 2015, 02:52 AM

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QUOTE(victorywp @ Oct 3 2015, 01:59 AM)
if you are able to sell them off so fast, why not?
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but it seems like no bank is offering 0% BT for longer period sweat.gif
blahbleh
post Oct 3 2015, 10:39 AM

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QUOTE(guy3288 @ Oct 2 2015, 10:10 PM)
yeah that is the last resort, but i still need the card. anyway it's just unlucky got a lousy CS officer that day.
next day tried my luck, called again, this time got another CS Harry, didnt ask anything at all, proceeded to submit my
request for refund.
i managed to get the transaction slip from UOB, emailed them on 30.9.15, surprised to see the refund money already in my MBB SA just now, noted the posting date was 1.10.15, that's fast!!
yeah just a phone call.
other banks Citibank below RM2k, Ambank below RM1k, above that need proof of payment.

MBB still da best! will try bigger amount next..
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Glad to hear that no problem faced on the second call rclxms.gif

Last time I asked RHB to refund 15K and they say CANNOT because they know it's the overpayment from BT. I straight away say "if like that, I'll terminate my card, you need to refund all amounts anyway". CS straight away put me on hold and after that said will process accordingly. It took 2 weeks for RHB to transfer the amount to my saving.
guy3288
post Oct 3 2015, 02:07 PM

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QUOTE(leo_kiatez @ Oct 3 2015, 12:05 AM)
So finally do u still need to provide the transaction slip to get the refund?
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i emailed them my transaction slip anyway, so i dont know whether actually needed or not.
but i think it helps to speed up refund

QUOTE(blahbleh @ Oct 3 2015, 10:39 AM)
Glad to hear that no problem faced on the second call  rclxms.gif

Last time I asked RHB to refund 15K and they say CANNOT because they know it's the overpayment from BT. I straight away say "if like that, I'll terminate my card, you need to refund all amounts anyway". CS straight away put me on hold and after that said will process accordingly. It took 2 weeks for RHB to transfer the amount to my saving.
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Are you sure RHB also can get cash refund easily? When was your last refund from RHB?Scared they change rules now..

If RHB easy to get overpayment refund, i want to use my PBB available CR to BT and cash out.
blahbleh
post Oct 3 2015, 05:42 PM

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QUOTE(guy3288 @ Oct 3 2015, 02:07 PM)
Are you sure RHB also can get cash refund easily? When was your last refund from RHB?Scared they change rules now..

If RHB easy to get  overpayment refund, i want to use my PBB available CR to BT and  cash out.
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I did mine less than 6 months ago. They were hesitant on that and according to CS, it needs higher level approval for amount > 10K.

Perhaps you can try with smaller amount first..
wan7075
post Oct 3 2015, 07:00 PM

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QUOTE(suadrif @ Oct 3 2015, 12:27 AM)
guys
if i have a personal loan rm10k to be settle, would it wise if i purchase 3 units of new iphone using my credit card, sell all the iphones, full settlement my personal loan and then quickly apply 0% balance transfer for my credit card balance?
*
if u can sell all phone, then yr planning is great rclxms.gif
but if you can't sell it then you will bear more debt sweat.gif
suadrif
post Oct 3 2015, 09:19 PM

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QUOTE(wan7075 @ Oct 3 2015, 07:00 PM)
if u can sell all phone, then yr planning is great rclxms.gif
but if you can't sell it then you will bear more debt sweat.gif
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current interest is 6.8%
with balance transfer, its either 15% interest or 0% interest sweat.gif
cenkudu
post Oct 4 2015, 05:26 AM

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For PBB overpayment to Maybank, let say we have existing BT in the MBB card will that overpayment from PBB off-set the remaining balance in the current existing BT in MBB? so which one of the following:

A) overpayment - MBB remaining balance in BT
B) overpayment - current outstanding balance for the BT (payment for that month only)

which one A or B?
mamamia
post Oct 5 2015, 03:40 PM

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0% BT only applicable for new cardholder?
chrisling
post Oct 7 2015, 05:20 PM

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Hi Guys,

I have searched around and found out BSN credit card offers incredibly low interest for balance transfer. I'd like to check with your guys' experience, anyone takes BSN cards for balance transfer at the moment, or before?

http://www.mybsn.com.my/content.xhtml?contentId=136
bearbear
post Oct 7 2015, 05:32 PM

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QUOTE(chrisling @ Oct 7 2015, 05:20 PM)
Hi Guys,

I have searched around and found out BSN credit card offers incredibly low interest for balance transfer. I'd like to check with your guys' experience, anyone takes BSN cards for balance transfer at the moment, or before?

http://www.mybsn.com.my/content.xhtml?contentId=136
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not 0% but low

what do you need to know?
chrisling
post Oct 8 2015, 11:27 AM

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QUOTE(bearbear @ Oct 7 2015, 05:32 PM)
not 0% but low

what do you need to know?
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Just to know how easy to get this the cc for this bank? smile.gif
Jason
post Oct 8 2015, 02:28 PM

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For the benefit of everyone, can you guys please edit previous posts, and stop posting regarding accidentally overpaying your credit cards, and having to refund.

Can be more tactful when posting.

This IS an open public forum after all. And it works to nobody's advantage if banks stop offering BT.

David900924
post Oct 10 2015, 08:08 AM

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Just to share, i never know hsbc still offer 0% to me eventhou inot eligible anymore after a call then when told him to hrlp me cancel my card since it is a rubbish, he immediately say will help me get 0% bt and it is approved since last week smile.gif gonna do that again after 3 monoths, i guess it may work for other bank too...
koinibler
post Oct 12 2015, 04:59 PM

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QUOTE(chrisling @ Oct 8 2015, 11:27 AM)
Just to know how easy to get this the cc for this bank? smile.gif
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if you're qualified, then its easy.
In my assumption, BSN has low cc customer compare to other bank
preakzz
post Oct 15 2015, 09:59 AM

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QUOTE(chrisling @ Oct 7 2015, 05:20 PM)
Hi Guys,

I have searched around and found out BSN credit card offers incredibly low interest for balance transfer. I'd like to check with your guys' experience, anyone takes BSN cards for balance transfer at the moment, or before?

http://www.mybsn.com.my/content.xhtml?contentId=136
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I did because of ringgitplus promo and I got the z3, sold. Haha. Getting the card and applying for BT is very slow process, I'd say. Compared to other banks.
lucas114
post Oct 15 2015, 05:46 PM

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Citibank 2.99% BT for 9-month period. No early settlement fee. Let's say if I would like to apply for this BT and I would like to settle the amount in 2 months.

1. Is it the remaining balance will be shown up in full in the credit card account, upon request?

2. How is the interest calculation? Is the interest calculated daily until the full amount is paid up?

3. On the other hand, just would like to confirm, BT from Citibank to AEON is workable right? Notice from past posts here, BT from AEON to Citibank is not workable.

Tried before BT with 0% interest charge but with upfront fee (waived bcs of promotion, MBB). Not so sure about BT without upfront fee but with interest charge. Looking for information here. Thanks!
koinibler
post Oct 16 2015, 03:19 PM

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Another smooth and fast bt process from aeon.

Send email yesterday afternoon around 3pm
This morning got called for verification.
Afternoon, got sms of successful balance transfer.


chrisling
post Oct 16 2015, 04:07 PM

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QUOTE(preakzz @ Oct 15 2015, 09:59 AM)
I did because of ringgitplus promo and I got the z3, sold. Haha. Getting the card and applying for BT is very slow process, I'd say. Compared to other banks.
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Hey there, thanks for replying, appreciate it. smile.gif
sepet
post Oct 19 2015, 05:07 PM

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Guys which bank offer worth it balance transfer plan?

after google i found

-->MBB offer 0% for 12mnth and 3% admin fee

--> PBB offer 0% for 12 mnth and 2% admin fee



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