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

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ChiaW3n
post Jan 21 2016, 10:01 AM

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QUOTE(opjust @ Jan 19 2016, 01:38 PM)
If i were you.. i'll keep my 5k somewhere else that can earn me money.. since you wanna cut down 1card.. let's just stick to your plan on settle one CC and BT another one.
for balance transfer since there's no good interest rate offered by your bank, why dont you find for 0% one... you can apply PB CC or AMbank CC... both of that you can straight do BT 0% for 12months...

from your calculation, i think there is something wrong with that... if you were to BT 3k for 24months..with 0% you have to pay 125/month.... it can't be any lower than that.
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my situation was quite similar with this, but mine was from UOB and Maybank. It is better for me to transfer from Maybank to UOB, or the vice versa?
ChiaW3n
post Jan 21 2016, 10:46 AM

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QUOTE(opjust @ Jan 21 2016, 10:38 AM)
Transfer to the one that has lower interest or 0 even better.
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Okay, my plan now is to call up UOB first, to see whether they are still doing for 0% BT, but if i am not mistaken there is an admin fee of RM30, if not have to stick with Maybank with 12 months of 0% but there is an upfront fee of 3% of the BT amount. My another plan in my mind which is to use the EzyCash with Maybank as well, up to 90% of my credit limit, 6 months of 0% interest, but with an admin fee of 3.88%.

If anyone here would like to enlighten me? smile.gif smile.gif smile.gif
ChiaW3n
post Jan 21 2016, 12:55 PM

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QUOTE(kachuakia @ Jan 21 2016, 12:51 PM)
if time is on your side, then can consider taking 6 month 0% interest and 0 admin charge BT from Aeon?
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something i have to decide after my bonus and before cny, that's why.

If there is the only option, which one would you recommend or none of the above.
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