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

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tbheng
post May 1 2015, 06:09 PM

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QUOTE(guy3288 @ May 1 2015, 12:43 PM)
yeah me also waiting for my 6 month period to be over. Then do 1 big max BT, overpay to all the cards, and claim back cash.

Trouble is sometimes getting into difficulty trying to get  back the overpayment.
So far MBB is the best, done overpayment RM10+k, can easily cash out without a question. I wonder if overpay 20k to cash out, would it still be that easy to cash out or not. Anybody has done that amount?

Citibank i learned a lesson, below 2k, easy. I did one above that, had trouble trying to get back till i had to  admit it is not my money but  BT from another bank.
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But Aeon need statement, so cannot over BT .... u got trick? hmm.gif
Did overpayment to MBB 5 times from PBB without statements, each refund so far max 10k for MBB. No issues so far.
Enough liao, leaving some CL for future BT on regular spending. sweat.gif
tbheng
post May 2 2015, 08:58 AM

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QUOTE(guy3288 @ May 1 2015, 10:25 PM)
no tricks la, just make 2 BTs from 2 different banks to pay one statement.
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Yes I understand about this, but I was on the line of maximizing the Aeon CL with the BT every 6 months.

Says you have Aeon CL = 40k, hence 80% for BT will be 32k.
Says you have outstanding at MBB 8k and at PBB 7k; hence total BT to Aeon is only (8+7)k=15k.

If you BT 8k of MBB to both Aeon and PBB, you will still not able to bump up the BT to Aeon beyond 15k.
In the past we can use the remaining (32-15)k=17k in the following month, but now only every 6 months... sweat.gif
tbheng
post May 26 2015, 06:45 AM

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Trying my luck to fill the 0% BT form and email to Affin Bank.
The next day, Affin called and says "Encik, ini borang lama...tarak 0% sekarang..." sweat.gif
She sounded there maybe 0% in the future... hope it will be soon. yawn.gif
tbheng
post Jun 19 2015, 03:28 PM

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QUOTE(sendohz @ Jun 16 2015, 10:44 AM)
I assume we can apply BT to Aeon when our Aeon statement shows 6/6?
anyone tried it already?
Can share your feedback?
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QUOTE(ronnie @ Jun 16 2015, 02:14 PM)
I just submitted my AEON BT upon posting 6/6 in my 10-June statement.... Let's hope I get a verification call tomorrow  icon_rolleyes.gif  sweat.gif
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QUOTE(victorywp @ Jun 18 2015, 10:28 AM)
received aeon bt verification call this morning... nod.gif
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QUOTE(guy3288 @ Jun 18 2015, 02:07 PM)
which date did you guys follow for applying new Aeon BT?

my statement date 10.6.2015 and inside i see all my BT installment showed 6/6(last)  installment already, some dated 12 May and some dated 6 Jun.

so going by that statement you guys start sending out new Aeon BT from the last 6/6 installment date ie 6.6.2015 or
or 6.7.2015?

I called the CS they told me wait till 6.7.2015, i dont quite wanna believe her, if i can get direct info from here.
PS:
one more question,  any idea wat is the Bonus point i got there? how they calculate bonus point for us?
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My June statement showing final installment (6/6)...
Submitted new BT on 18 Jun 7+am, received verification call at 1+pm on the same day.
So far so good, just waiting for the posting into un-billed transaction.

Due to 6 months once, I walup from all my other cc (using 3 BT forms), even amount as low as RM300+... sweat.gif tongue.gif
tbheng
post Jun 23 2015, 11:42 AM

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QUOTE(tbheng @ Jun 19 2015, 03:28 PM)
My June statement showing final installment (6/6)...
Submitted new BT on 18 Jun 7+am, received verification call at 1+pm on the same day.
So far so good, just waiting for the posting into un-billed transaction.

Due to 6 months once, I walup from all my other cc (using 3 BT forms), even amount as low as RM300+... sweat.gif  tongue.gif
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Updates..

2015-06-18 7am Emailed BT forms
2015-06-18 1pm Received verification call
2015-06-20 10am Received approval sms
2015-06-20 10pm BT transactions posted (posting date = 19 Jun)
tbheng
post Jun 25 2015, 04:24 PM

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QUOTE(leo_kiatez @ Jun 20 2015, 08:59 AM)
How do you walup all the cc at the same time?All your cc having the same statement date?? Too bad I no get to walup all my cc due to different statement dates thought can BT many times, still alot CL left, wasted.. tongue.gif
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Yeah... All my cc are between 10 to 12 statement dates. I changed them so they will due just after my payday.

Changing of statement date is one of my personal SOP when I receive my new cc, besides activating it, setting sms triggering threshold, linking to Internet banking, enabling e-statement, scrapping off cvv, etc.
tbheng
post Jun 25 2015, 04:26 PM

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QUOTE(leo_kiatez @ Jun 20 2015, 08:59 AM)
How do you walup all the cc at the same time?All your cc having the same statement date?? Too bad I no get to walup all my cc due to different statement dates thought can BT many times, still alot CL left, wasted.. tongue.gif
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Yeah... All my cc are between 10 to 12 statement dates. I changed them so they will due just after my payday.

Changing of statement date is one of my personal SOP when I receive my new cc, besides activating it, setting sms triggering threshold, linking to Internet banking, enabling e-statement, scrapping off cvv, etc.
tbheng
post Jun 26 2015, 08:23 AM

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QUOTE(leo_kiatez @ Jun 26 2015, 12:47 AM)
scrap off cvv? So your cards don't perform online transactions? Or u wrote it down somewhere? tongue.gif
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Yeap... I scanned my new cc and record the cvv before scrap it off.
tbheng
post Jun 26 2015, 08:31 AM

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QUOTE(guy3288 @ Jun 24 2015, 02:05 PM)
surprised, i emailed BT to Aeon early morning, just now Aeon already called for verification. So fast?, but approved or not,    dont know yet.

Another good news, MBF also called today to offer me another  RM30k 0% BT.
think  i already a known kaki BT in their book, so they keep feeding me  more, till i 'vomit' one day ?

and yes this MBF BT also no need statement.
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Wah... jealous lah u got mbf 0% BT offer and your previous Citi offer.
Now after Aeon BT this month, next month only left with PBB.... need another 0% BT to cross-BT....
tbheng
post Aug 7 2015, 10:25 AM

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QUOTE(guy3288 @ Aug 5 2015, 06:27 PM)
Today MBF card enticed me again with BT upto 30k via email invitation.
i just took 30k BT last month  my debts getting bigger, probably they hope i cant pay up one day...
wonder if that is the reason i received letter from Credit Bereau .
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Walao.... shocking.gif
So do you have to provide your credit details to CBM or they will go and retrieve your details from CCRIS and so on?
Sound more like the 2nd one...

tbheng
post Aug 18 2015, 05:51 PM

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I love the PBVS, Seriously. thumbup.gif

The PBB 0% BT is great! I emailed the form on Friday (14 Aug), the first installment already posted on Monday (17 Aug).
Basically only take 2 business days. No statement needed, no question ask. Swift! rclxms.gif

And I think it is using CR Limit balance for the calculation, as it is amounting 95% of my total CRLM now. I tried my luck and it gone through! flex.gif

Further to that, the PBVS is giving 6% CB for my other usages...triple joys... rclxm9.gif

Only complaint: Not enough CRLM and the CB cap. sweat.gif

This post has been edited by tbheng: Aug 19 2015, 06:51 PM
tbheng
post Aug 19 2015, 06:50 PM

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QUOTE(eric84cool @ Aug 19 2015, 06:42 PM)
6% CB for BT??? blink.gif
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Sorry for the confusion... I meant it gives 6% for my other swipes, not BT.

This post has been edited by tbheng: Aug 19 2015, 06:53 PM
tbheng
post Nov 27 2015, 09:15 AM

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QUOTE(guy3288 @ Nov 25 2015, 01:44 PM)
my Aeon BT 6th installment will come in next statement 10.12.15 but i already received call from Ms Jeriga, Aeon marketting offering me 39k BT. She said now i can apply already.

i hantam 38k , emailed her straight away last night, overpay mbb and pay in advance all other cards...
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Hmmm… hope they call me too…
But Aeon BT always insist on statements. They changed policy?
Anyway I will be able to BT again next month. Will do it kawkaw smile.gif If no statements are required will be a good news.

Besides, PBB seems not extending their 0% BT beyond this year… no new form. sad.gif
tbheng
post Dec 4 2015, 09:35 AM

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QUOTE(yusiang @ Dec 3 2015, 07:55 PM)
Just emailed another BT form to PBB. In their reply, they mention that the 0% campaign will be ending by 31-Dec! I am not sure if they really mean ending it(no more renew campaign as usual), but this is the first time I see them mention this in the email.

"We would like to advise that we have forwarded your balance transfer request to the relevant department for processing.

Please be informed that our current 0% interest balance transfer campaign will be ending by 31 Dec 2015."
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My friend's friend works in PBB also told they are ending the 0% BT by this year. I tried not to believe the news. But noticed they never renew their form which they normally have new expiry form several months ahead of time. Real bad news, man...
tbheng
post Dec 22 2015, 02:11 PM

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QUOTE(ronnie @ Dec 17 2015, 09:34 AM)
AEON BT Program says minimum RM1000.
Can I BT a CC amount less than RM1000 per card however my Total BT Amount >RM5,000 ??
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Yes. Can.
I had BT a few rounds before with several cc one shot (sometime submit 3 forms together) with some cc less than 1k (like WISE cc).

This post has been edited by tbheng: Dec 22 2015, 02:22 PM
tbheng
post Dec 22 2015, 02:19 PM

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QUOTE(guy3288 @ Dec 9 2015, 11:07 PM)
b4 the offer ends better wallop cukupx2, just got 14k approved by pbb, 80% of available CR. dontknow how u guys can get 100% credit for bt....
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Final round of PBB BT approved. Total O/S is 102% of CL and still got available balance to swipe. Not sure how they count.
Don't care much as long as they approved.

Called MBB to refund overpayment to SA. Great!
10k or less no issue over the phone. Above 10k need email.

Going to miss this PBB 0% BT… sad...

This post has been edited by tbheng: Dec 22 2015, 02:24 PM
tbheng
post Dec 22 2015, 02:36 PM

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QUOTE(MGM @ Dec 17 2015, 11:03 AM)
I would like to BT rm5000 to PBB from Aeon Credit but split up the rm5000 to 3 Aeon cards (AeonGold=rm1600, Watami=rm3000 and AeonBig=rm400). Is this allowed?
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Maybe u can BT 5k from the highest o/s cc (watami) and call AEON to allocate out to other cc.
I tried the overpayment and reallocation with MBB and Southern Bank last time. Not sure about AEON. U might want to call to ask first.

Other way I have tried is BT 5k from MBB to PBB, refund to SA, IBG to these cc which are less than 5k.
tbheng
post Dec 22 2015, 03:20 PM

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QUOTE(laymank @ Dec 22 2015, 02:29 PM)
certain credit card allows over the limit spending with a fixed fee. Not sure about PBB VS.

I saw the clause in PBB Islamic card application form. You might want to check just in case.
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Thanks for reminding…
I was worried about the same last time.
My first time > CL was back in September. And then October, November and now December.
No charges so far.
tbheng
post Dec 22 2015, 09:42 PM

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QUOTE(ronnie @ Dec 22 2015, 04:32 PM)
I just submitted without waiting for LYN confirmation .... and it's approved in 3 working days.
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Ya, they are much faster now.
I submitted on 17 Dec. Already posted in Watami the next day.
tbheng
post Dec 22 2015, 09:52 PM

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QUOTE(laymank @ Dec 22 2015, 02:29 PM)
certain credit card allows over the limit spending with a fixed fee. Not sure about PBB VS.

I saw the clause in PBB Islamic card application form. You might want to check just in case.
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I have checked the fee for PBB cc HERE.
Interestingly to find out like what you pointed out, there is an "Over Limit Fee" for Islamic cc, but not for the conventional cc.

Also found out from the PDS HERE. It is stated as "Not Applicable". thumbup.gif


This post has been edited by tbheng: Dec 22 2015, 09:58 PM


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