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Credit Cards Balance Transfer (BT) Plans V3 - Banks Offer List
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victorywp
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Feb 26 2015, 01:43 PM
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QUOTE(aromachong @ Feb 26 2015, 12:25 PM) yeah,thats what in my thoughts... can take out that amount seems not normal, but possible? ... but banks don't check whether your cc got any outstanding balances or the card never been used prior approval BT? Maybe some pro can shed some lights here yeah, they won't have the time and manpower to check on that. just that 80k is huge and it may trigger the alarm and soon they may revise the t&c or fully disallow cashing out overpayment.
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victorywp
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Feb 26 2015, 02:04 PM
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QUOTE(aromachong @ Feb 26 2015, 01:46 PM) yeah i have same thoughts with you if more than 100k will trigger the alarm for cashing out .. ha ha... but if you use it to swipe , maybe took months to finish up. how if we didn't finish it? available CL will be brought to following months till all used up? since my aeon brings no benefit for me apart from petrol rebate, i might consider BT for 6 months and enjoy few hundreds k for 6 months @ 0%... (cashing out) looks like its worth.. be it put in FD or Amanah saham ? aeon brings no benefit to you apart from petrol? what aeon cc are you using? means you only used it for petrol on the last sunday of the month?
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victorywp
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Feb 26 2015, 02:33 PM
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QUOTE(aromachong @ Feb 26 2015, 02:08 PM) im new to aeon.. telemarketing offer me gold but i want classic (many cc i have already) i think aeon now change to every sunday for petrol rebate and capped at rm25.. read their T&C aeon classic aeon watami classic? if aeon watami you get 3% cb (capped at rm150 per quarter) on everything (except petrol which is separate cb as per their t&c). if really is this card, then it should benefits you more than just for petrol.
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victorywp
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Feb 26 2015, 05:27 PM
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QUOTE(yusiang @ Feb 26 2015, 04:52 PM) petrol transaction excluded from 3% CB... but can get 5% for sunday petrol transactions separately. This post has been edited by victorywp: Feb 26 2015, 05:28 PM
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victorywp
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Feb 27 2015, 03:06 AM
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QUOTE(cenkudu @ Feb 26 2015, 11:58 PM) may I know the minimum transfer of RM 1000 if for the total transfer or for each of the bank (maybank BT)? total
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victorywp
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Feb 27 2015, 09:17 AM
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QUOTE(alexng2208 @ Feb 27 2015, 08:59 AM) i have 2 cards to BT too or at least 1 first. which bank offers 0% for a 6 month tenor? aeon, pbb, affin... mbb ending soon, citibank for new card members.
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victorywp
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Feb 27 2015, 09:34 AM
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QUOTE(blahbleh @ Feb 27 2015, 09:23 AM) MBB BT without CC statement has been approved, amount has been transferred. I think that's it, I've maxed out my credit limit... yeah, mine mbb bt application without statement received at aeon too.
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victorywp
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Feb 27 2015, 10:22 AM
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QUOTE(shawluke @ Feb 27 2015, 10:01 AM) anyone here has submitted the BT application form to Maybank before CNY, and still havent been processed? mine 1 Aeon did BT to Maybank, submitted to Maybank before CNY, yesterday i chase for status, who know today Maybank only called me and process my request, and said need 10 working days to process. my Aeon cc statement due date is on 2nd March. in this case, i will have to pay the cc statement myself first, and if the Maybank issue cheque to my Aeon cc, will it be fine to leave the credit into this cc?? 1) it will be fine to leave the credit into the cc 2) you may ask mbb to refund the money back to your casa with the reason of overpayment
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victorywp
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Feb 27 2015, 10:41 AM
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QUOTE(blahbleh @ Feb 27 2015, 10:26 AM) A quick question, how long does the refund process take? Have you done it with RHB CC? it depends, within 2 weeks. but never try with rhb cc. QUOTE(shawluke @ Feb 27 2015, 10:38 AM) for option 2), if i never ask for money refund, then i will have to pay the monthly installment to maybank as usual right ? yes
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victorywp
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Feb 27 2015, 12:02 PM
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QUOTE(shawluke @ Feb 27 2015, 11:30 AM) you guys are good, i submitted 1 before CNY, and another 1 on yesterday, and now they only wanna process my 2 requests together (they missed out my 1st request).. not sure is their staff overlook my 1st request or what...  i also submitted before cny. only received in aeon cc on 24/2 posted 25/2.
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victorywp
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Feb 27 2015, 12:15 PM
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QUOTE(pisanq @ Feb 27 2015, 12:08 PM) did anyone successfully apply 0% bt with mbb without statement to their m2c card? yeah, i did without statement bt from aeon to my mbb2cards plat.
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victorywp
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Feb 28 2015, 10:35 PM
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QUOTE(aromachong @ Feb 28 2015, 09:56 PM) banks can increase credit limit automatically? Sorry i'm new to CC yeah, my experience was citibank and cimb increased cl by themselves. uob did try to increase my cl but they called to me first before doing it by themselves.
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victorywp
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Mar 2 2015, 01:38 PM
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QUOTE(Devil4life @ Mar 2 2015, 01:35 PM) what is the email if I want to fax my BT application for AEON? Thanks. at post #1... anyway, customer.service@aeonmalaysia.com.my
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victorywp
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Mar 2 2015, 02:48 PM
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QUOTE(blahbleh @ Mar 2 2015, 02:44 PM) How does a bank decide to increase CL? Is it based on spending criteria, salary, risk etc? Do they even check CCRIS? first is your latest salary slips, then is ccris.
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victorywp
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Mar 2 2015, 02:53 PM
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QUOTE(Devil4life @ Mar 2 2015, 01:43 PM) Another question, how long they processed ya if I send today? My due date is on the 8th next week. Worse come to worse, I pay 1st and ask Maybank to return my the money as it will be double posted. i think most probably can't make it by 8/2. better pay first.
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victorywp
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Mar 3 2015, 12:58 AM
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QUOTE(cooldreamer @ Mar 3 2015, 12:39 AM) Ya..i know the balance transfer is based on statement balance..just trying to catch the MBB 8/3 deadline..but the statement with that particular transaction will only be out after 8/3...so just checking if i can based on my online printout of the transaction list and do BT even before statement is out..  yes, you may use print screen of it to attach together with your bt application.
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victorywp
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Mar 15 2015, 07:38 PM
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QUOTE(David900924 @ Mar 15 2015, 04:18 PM) guys may i know Public BT have cooling period rules like Aeon, once every 6 months? Since MBB no more 0%, now only AEON and Public. no cooling period. min 5k.
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victorywp
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Mar 18 2015, 03:59 PM
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QUOTE(eric84cool @ Mar 18 2015, 02:20 PM) Hi guys, if I don't own any of MBB, AEON CC. Can apply BT along with new CC application? I worry it couldn't be process in time for the existing statement bank. i don't think you are able to... wait until you receive your cc first ba...
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victorywp
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Mar 18 2015, 04:51 PM
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QUOTE(tigaxxx @ Mar 18 2015, 04:45 PM) Actually u can... that's whay I did when applied for pb vs..together with bt.. wow, nice to know pbb vs able to!
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victorywp
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Mar 18 2015, 10:31 PM
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QUOTE(David900924 @ Mar 18 2015, 10:17 PM) Guys may i know if public bank bt no ned statement is true? If u trnasfer more than the outstanding to get advance cash with 0% interest ? can, no problem.
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