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Credit Cards Balance Transfer (BT) Plans V3 - Banks Offer List
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onnying88
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 Apr 1 2016, 11:07 AM
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QUOTE(ytan053 @ Mar 25 2016, 10:41 PM) Be careful with BT with HSBC card. For my case, they charge the whole lump sum as statement balance instead of splitting it over few months. If only pay the minimum balance, I think the interest rate is bout 18% instead of the normal finance charge on outstanding balance. They didn't charge interest on whole lump sum. Your statement will appear full amount as balance and it will reduce base on the amount you paid within the BT period but minimum payment will be subject to minimum 5% of the balance. To make it simple, if you BT Rm10k 12month to HSBC, 1st month statement balance appear will be Rm10k. You may choose to pay minimum payment of 5% which is Rm500. So 2rd month statement balance will be Rm9500. All the balance of the Rm10k in this 12month BT period will be no interest charge. But you need to make sure all the balance must be cleared at the end of the BT period. If there is outstanding balance (Balance of your BT amount) after the 12month BT period, the balance will be subject to 18% standard interest rate charge. But do take note that once you've BT to HSBC, any new swipe with your HSBC card will not entitle for 20days interest free anymore. Any new swipe to your card will be charge standard rate at the next day. So once you BT to HSBC, then remember to keep it in your drawer until you've settled the BT! Hope it's clear. Good luck This post has been edited by onnying88: Apr 1 2016, 11:11 AM |
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CalvinCLK
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Apr 1 2016, 11:53 AM
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QUOTE(lamode @ Apr 1 2016, 10:57 AM) wah looking to refund/transfer about 20k to MBB saving acc. i was asked the same, PLUS to provide receipt for the payment for amount more than 10k. then i just asked the CS make a request for 10k, as i don't want the hassle. 5 mins later, made another call to make another request. it's pretty much depends on the CS, some very cincai, some very strict.  i suppose the CS for Visa Infinite would be more helpful, too bad i cancelled the card. Agree. Mine even tho the CS officer told me that the bank office might ask for documentation, the request went thru without any further clarification from them. done on the 4th working days. |
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ming86
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Apr 2 2016, 08:52 AM
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29-March night Submit BT request to PB via email
30-March receive email from CS said my email being forwarded to BT department.
31-March BT amount appear on PB credit card Authorised Charges
1-April BT monthly installment amount posted on PB credit card.
1-April Received SMS.
2-April BT amount credited to Maybank credit card account.
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leo_kiatez
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Apr 2 2016, 02:47 PM
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QUOTE(CalvinCLK @ Apr 1 2016, 11:53 AM) Agree. Mine even tho the CS officer told me that the bank office might ask for documentation, the request went thru without any further clarification from them. done on the 4th working days. How much your refund amount?  |
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CalvinCLK
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Apr 2 2016, 04:26 PM
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QUOTE(leo_kiatez @ Apr 2 2016, 02:47 PM) How much your refund amount? 10k only. |
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jtl
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Apr 4 2016, 03:19 PM
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Any banks offering 0% Balance Transfer now?
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lamode
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Apr 4 2016, 06:33 PM
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QUOTE(jtl @ Apr 4 2016, 03:19 PM) Any banks offering 0% Balance Transfer now? only if u willing to read first post.   |
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victorywp
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Apr 4 2016, 10:19 PM
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time for a v4  |
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TSbrotan
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Apr 4 2016, 10:21 PM
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QUOTE(victorywp @ Apr 4 2016, 10:19 PM) time for a v4 wait 1 more week lah  |
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ronnie
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Apr 4 2016, 11:16 PM
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QUOTE(brotan @ Apr 4 2016, 10:21 PM) wait 1 more week lah why wait ? already >2,600 posts |
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TSbrotan
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Apr 4 2016, 11:19 PM
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QUOTE(ronnie @ Apr 4 2016, 11:16 PM) why wait ? already >2,600 posts for fun . haha weekend i open new thread lah |
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lamode
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Apr 5 2016, 08:17 AM
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QUOTE(lamode @ Apr 1 2016, 10:57 AM) wah looking to refund/transfer about 20k to MBB saving acc. i was asked the same, PLUS to provide receipt for the payment for amount more than 10k. then i just asked the CS make a request for 10k, as i don't want the hassle. 5 mins later, made another call to make another request. it's pretty much depends on the CS, some very cincai, some very strict. i suppose the CS for Visa Infinite would be more helpful, too bad i cancelled the card. I got the refund yesterday, 4th biz day, surprisingly it came in single transaction for the total amount  |
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jtl
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Apr 5 2016, 02:26 PM
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QUOTE(lamode @ Apr 4 2016, 06:33 PM) only if u willing to read first post. I believe first post has not been updated since 2014? Correct me if I am wrong |
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lamode
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Apr 5 2016, 04:28 PM
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QUOTE(jtl @ Apr 5 2016, 02:26 PM) I believe first post has not been updated since 2014? Correct me if I am wrong post Sep 20 2014, 02:05 PM, updated 17h ago |
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jtl
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Apr 5 2016, 05:03 PM
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QUOTE(lamode @ Apr 5 2016, 04:28 PM) post Sep 20 2014, 02:05 PM, updated 17h ago My apologies, I must have missed that |
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lamode
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Apr 5 2016, 05:17 PM
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QUOTE(jtl @ Apr 5 2016, 05:03 PM) My apologies, I must have missed that happy 0% BT |
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ytan053
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Apr 5 2016, 08:16 PM
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POST DELETED
This post has been edited by ytan053: Apr 6 2016, 10:41 AM
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busyman
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Apr 7 2016, 10:08 PM
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Thinking to try BT 4k CC to either Maybank or HLB, which 1 is better?
either 3 months or 6 months is fine.
This post has been edited by busyman: Apr 7 2016, 10:16 PM
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sj0217
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Apr 7 2016, 10:15 PM
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QUOTE(busyman @ Apr 7 2016, 10:08 PM) guys, If i own 2 CC(said Bank A & B), if i want to BT Bank A CC to another bank(said Bank C), Do I need to apply for CC in Bank C in order to BT? Yes, you need Bank C of CC in order for BT |
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busyman
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Apr 7 2016, 10:17 PM
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QUOTE(sj0217 @ Apr 7 2016, 10:15 PM) Yes, you need Bank C of CC in order for BT gotcha, edited my comment. Maybank or HLB better? |
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