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

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sendohz
post Dec 30 2014, 09:02 AM

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QUOTE(fruitie @ Dec 29 2014, 08:03 PM)
Cool. Then I may consider for another round of BT. rolleyes.gif
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Haha i'm already enjoying these benefits with Aeon and MBB BT
Applied two Aeon cards last month and now already did two rounds of BT with it back and forth.

That's where the 'over payment' occurred and request for withdrawal back to CASA since i know their procedure will be after my due date but i did the BT anyway smile.gif
fruitie
post Dec 30 2014, 09:13 AM

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QUOTE(sendohz @ Dec 30 2014, 09:02 AM)
Haha i'm already enjoying these benefits with Aeon and MBB BT
Applied two Aeon cards last month and now already did two rounds of BT with it back and forth.

That's where the 'over payment' occurred and request for withdrawal back to CASA since i know their procedure will be after my due date but i did the BT anyway smile.gif
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The problem is I love my AmEx so didn't want to hook up my CL due to BT. So just use my Aeon.
sendohz
post Dec 30 2014, 09:37 AM

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QUOTE(fruitie @ Dec 30 2014, 09:13 AM)
The problem is I love my AmEx so didn't want to hook up my CL due to BT. So just use my Aeon.
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For me my Aeon left 2-2.5k of credit limit to BT.
I guess i can squeeze one more BT and then give it a rest for a month and squeeze everything to MBB.
MBB was generous enough to increase my CL by 1.85x
bearbear
post Dec 30 2014, 10:28 AM

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QUOTE(fruitie @ Dec 30 2014, 09:13 AM)
The problem is I love my AmEx so didn't want to hook up my CL due to BT. So just use my Aeon.
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true, as the maybank cards are the only card i use for transactions and 12 month is really slow for the CL to pick up again. I try to limit my BT total amount to less than half of my CL else i might not be able to use my cc anymore near month end.

trying to get affin purely for BT, else maybe will use RHB hmm.gif
sms2u
post Dec 30 2014, 10:36 AM

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QUOTE(guy3288 @ Dec 29 2014, 06:34 PM)
my last 2 BTs got into problem while i went on leave.

Came back found out,  1st case RM3600 payment from MBB to pay MBF card supposedly done on 10.12.14, gone missing becos of the migration MBf into Ambank system. IBG was done during their system down time, money until now still cannot be located.Already saw got late payment charge RM35.96 and interest RM160.67 (18%) in MBF card/amonline.Any idea how they calculate this 18%? My bill was RM3596.0 due on 15.12.2014

2nd case, RM9000 from PBB to pay Aeon Watami was done on 18.12.2014 (IBG done to Citibank aeon account). Until today the money is also missing!

Very sueh! Any one has similar experience where BT was successful but payment not credited into receiver account?
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Call to bank (MBF) to ask for waiver with reason of late payment due to long process of BT.
Of cos, it is depend on bank management approval. U might get waive or not . No harm to call.
fruitie
post Dec 30 2014, 10:46 AM

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QUOTE(bearbear @ Dec 30 2014, 10:28 AM)
true, as the maybank cards are the only card i use for transactions and 12 month is really slow for the CL to pick up again. I try to limit my BT total amount to less than half of my CL else i might not be able to use my cc anymore near month end.

trying to get affin purely for BT, else maybe will use RHB hmm.gif
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Yes, 12 months is too long. AmEx's 5% rebate and 5xTP are just too difficult to resist. Imagine my whole chunk of CL is blocked due to this. Sad case.
mytaffeta
post Dec 30 2014, 02:09 PM

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ezycash then BT? can someone teach me the steps.. hehe

worth if cash then put in ASX? just my rought idea.. still going thru this thread how you guys doing.. biggrin.gif

i have m2c, so which another CC should i apply?

This post has been edited by mytaffeta: Dec 30 2014, 02:11 PM
victorywp
post Dec 30 2014, 02:45 PM

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QUOTE(mytaffeta @ Dec 30 2014, 02:09 PM)
ezycash then BT? can someone teach me the steps.. hehe

worth if cash then put in ASX? just my rought idea.. still going thru this thread how you guys doing.. biggrin.gif

i have m2c, so which another CC should i apply?
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get aeon cc. bt from aeon to mbb. do extra payment. cash out extra payment.
sms2u
post Dec 30 2014, 02:47 PM

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QUOTE(mytaffeta @ Dec 30 2014, 02:09 PM)
ezycash then BT? can someone teach me the steps.. hehe

worth if cash then put in ASX? just my rought idea.. still going thru this thread how you guys doing.. biggrin.gif

i have m2c, so which another CC should i apply?
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U can get public credit card as well
mytaffeta
post Dec 30 2014, 03:41 PM

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QUOTE(victorywp @ Dec 30 2014, 02:45 PM)
get aeon cc. bt from aeon to mbb. do extra payment. cash out extra payment.
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ayte.. will read more on aeon card..
so the limit that i would like to BT (say from aeon) must within my m2c limit?
mytaffeta
post Dec 30 2014, 03:43 PM

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QUOTE(sms2u @ Dec 30 2014, 02:47 PM)
U can get public credit card as well
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will check pbb card too.. but i heard their service not really good? thanks bro..

This post has been edited by mytaffeta: Dec 30 2014, 03:43 PM
sms2u
post Dec 30 2014, 04:26 PM

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QUOTE(mytaffeta @ Dec 30 2014, 03:43 PM)
will check pbb card too.. but i heard their service not really good? thanks bro..
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there are pro and con,
Service vs benefit

Depend what you want.
zr125
post Dec 30 2014, 04:26 PM

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Want to ask..

For PBB 0% BT, the 6th month payment, we pay after statement date or after BT end date?
PBB BT got some charges right if we settle early?
TSbrotan
post Dec 30 2014, 04:32 PM

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QUOTE(zr125 @ Dec 30 2014, 04:26 PM)
Want to ask..

For PBB 0% BT, the 6th month payment, we pay after statement date or after BT end date?
PBB BT got some charges right if we settle early?
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always statement date
victorywp
post Dec 30 2014, 05:04 PM

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QUOTE(mytaffeta @ Dec 30 2014, 03:41 PM)
ayte.. will read more on aeon card..
so the limit that i would like to BT (say from aeon) must within my m2c limit?
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sorry i terbalik. bt from mbb to aeon. means use aeon to pay to mbb (pay extra). whatever extra can be "cash out" from mbb to your casa without any cost. furthermore, bt for aeon/mbb is 0%.
sms2u
post Dec 30 2014, 05:41 PM

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QUOTE(victorywp @ Dec 30 2014, 05:04 PM)
sorry i terbalik. bt from mbb to aeon. means use aeon to pay to mbb (pay extra). whatever extra can be "cash out" from mbb to your casa without any cost. furthermore, bt for aeon/mbb is 0%.
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It is not right to advise other to perform extra payment and 'cash out' using this method.
SUSDavid83
post Dec 30 2014, 05:57 PM

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QUOTE(sms2u @ Dec 30 2014, 05:41 PM)
It is not right to advise other to perform extra payment and 'cash out' using this method.
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He just advised people to be smarter. Advice comes with risk and disclaimer.
mytaffeta
post Dec 30 2014, 06:59 PM

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QUOTE(David83 @ Dec 30 2014, 05:57 PM)
He just advised people to be smarter. Advice comes with risk and disclaimer.
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ya aware of the risk.. one need to learn as much before jumping in.. good info btw.. flex.gif
CP88
post Dec 30 2014, 09:50 PM

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QUOTE(bearbear @ Dec 30 2014, 10:28 AM)
true, as the maybank cards are the only card i use for transactions and 12 month is really slow for the CL to pick up again. I try to limit my BT total amount to less than half of my CL else i might not be able to use my cc anymore near month end.

trying to get affin purely for BT, else maybe will use RHB hmm.gif
*
Any BT goin on RHB? I don't see any BT promo goin on.. hmm.gif
MiKE7LIM
post Dec 31 2014, 01:24 PM

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Hi, seem most the comment and I guess the 0% BT is applicable for 12months but not 6months ?
For Aeon an MBB
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