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Credit Cards Balance Transfer (BT) Plans V3 - Banks Offer List
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fruitie
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 Jan 16 2015, 10:25 AM
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Rise and Shine
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QUOTE(tbheng @ Jan 16 2015, 07:22 AM) 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. Yeah, but my statement will be generated on 24th, so still some time for my case.  QUOTE(brotan @ Jan 16 2015, 09:31 AM) i thought your last BT is the 1st and last ?  I spent a bit too much than usual in the last two weeks.  Can pay in full to MBB but it's good to have more money in bank.  |
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fruitie
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Jan 16 2015, 12:42 PM
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Rise and Shine
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I think it is the sudden influx of BT in Aeon that triggers all these. I mean how often someone applies for Aeon cards, then Watami comes and now BT. I still think LYN plays a big role for this. |
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fruitie
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Jan 16 2015, 02:15 PM
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Rise and Shine
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QUOTE(tifosi @ Jan 16 2015, 12:48 PM) Guilty as charged But then I don't go overboard and BT to overpay and withdraw. Seems like many does that. Yeah, somehow I think that contributes to the reasons as well. Since there is no end date for 0% AEON BT... I think they will put this a stop soon... |
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fruitie
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Jan 16 2015, 04:06 PM
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Rise and Shine
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QUOTE(tifosi @ Jan 16 2015, 02:26 PM) I actually saw this coming long ago and posted here last year But after so long... Enjoy the good old days, guys.  |
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fruitie
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Jan 28 2015, 11:50 PM
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Rise and Shine
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Submitted to Aeon yesterday via email and didn't put in any hope at all. Today received SMS that it got declined. |
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fruitie
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Mar 18 2015, 01:16 PM
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Rise and Shine
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QUOTE(whoopa @ Mar 18 2015, 12:24 PM) can anyone let me know ah .. got flexi payment for BT ah What do you mean? You are already paying back to the bank in installment basis?  Outstanding with Bank A - RM 6000 BT RM 6000 to Bank B Bank B pays RM 6000 to Bank A You pay back to Bank B (if 6 months 0% interest), RM 1000 every month for 6 months. |
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fruitie
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Mar 18 2015, 01:21 PM
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Rise and Shine
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QUOTE(whoopa @ Mar 18 2015, 01:18 PM) oh i mean i bt 6k to bank b. i pay bank b like 200 per mth last mth kao tim all. can ah? I don't think there is such thing. You will be charged with high interest. How would bank confirm you will pay all at the final month? So, you can choose to pay minimal but you will be imposed with compounded high interest and affect your CCRIS. This post has been edited by fruitie: Mar 18 2015, 01:22 PM |
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fruitie
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Feb 10 2016, 12:27 PM
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Rise and Shine
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Let's say I wanna transfer 5k to BSN card for 12 months since it has 0% for 6 months, how much will I pay eventually? I'm not sure how does the 0.30% charge to me? http://www.mybsn.com.my/content.xhtml?contentId=194I wanna pay RM 10k to PTPTN and would like to use my Watami to pay then BT out into to two BTs. These payments will be split into two quarters to maximize my cash back. Public bank rejected my application. If possible I want to earn cash back from Watami too, else I have no choice but to BT from OCBC GE Plat to Aeon MasterCard Gold. Then, I don't apply Watami. This post has been edited by fruitie: Feb 10 2016, 12:30 PM |
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fruitie
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Feb 11 2016, 09:18 AM
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Rise and Shine
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QUOTE(nestahng @ Feb 11 2016, 06:02 AM) Mind share the reason Public bank in rejecting your application? Banks cannot share rejection reason. So, I don't know as well. |
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fruitie
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Feb 13 2016, 03:16 PM
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Rise and Shine
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QUOTE(kaiserreich @ Feb 13 2016, 02:22 PM) Probably 'too many credit cards' syndrome Even my application for gold card got rejected. And i really wanted to use the PBB BT Probably, I applied for Plat Islamic though. |
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fruitie
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Feb 15 2016, 05:56 AM
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Rise and Shine
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QUOTE(nestahng @ Feb 15 2016, 04:11 AM) Bro, Mind sharing what does it means by 'too many credit cards syndrome'? They reject BT application or reject card application? Thanks. I supposed it's reject credit card application. Well, PBB is "famous" for that. |
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fruitie
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Feb 18 2016, 05:49 PM
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Rise and Shine
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QUOTE(bearbear @ Feb 18 2016, 04:52 PM) same, i gv up with PBB already. Gold card also don't want to give  I thought I was alone. You big boss also kena reject ah? I feel better now. |
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fruitie
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Feb 27 2016, 01:49 PM
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Rise and Shine
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QUOTE(wirahijau @ Feb 27 2016, 01:45 PM) Newbie to this BT world. Just want to ask if let say BT to Ambank but the process is late and statement date is near. Better to pay full first then ask bank to return overpayment or pay Min amount only. Tq Pay full because if you pay minimum amount, you will be imposed with penalty. Not worth for it. |
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fruitie
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Mar 1 2016, 02:31 PM
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Rise and Shine
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One should be disciplined when opting for BT, else the hole is bigger and bigger. |
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fruitie
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Mar 23 2016, 09:39 PM
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Rise and Shine
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QUOTE(sugarcookies @ Mar 23 2016, 08:24 PM) Anyone knows whether BT will appear in our CCRIS? If yes is the full repayment being considered as our monthly commitment thus contribute bad credit score? My new credit card application was rejected recently which i suspect due to this BT. Something i unexpected. Yes, it will appear in CCRIS. If you pay every month, then it will be zero, so your record will be nice. However, the outstanding amount of your BT will be captured there. |
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fruitie
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Mar 24 2016, 10:41 AM
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Rise and Shine
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QUOTE(sugarcookies @ Mar 24 2016, 08:42 AM) I see. Just outstanding balance like if I have spent that amount for that particular month? Or some unsettle outstanding? The latter surely has bad score  The whole amount will appear as outstanding. |
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