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

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Lineage
post Oct 9 2014, 06:07 PM

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QUOTE(cyang @ Oct 9 2014, 09:44 AM)
Just to let you guys know,
I purposely overpaid my Maybank CC by Rm10k from Public Bank CC.
Then I request to refund the excessive payment RM8k (RM10k - my outstanding amount which supposingly only need to paid on next statement date around 2k) back to my Maybank Saving Account.

The whole process is free of charge BUT will take UP to 8 working days.
And if the excessive payment is more than RM10K, you need to provide payment receipt for their verification.

Not sure about other bank. I will test on CIMB soon. Stay tune smile.gif
*
U owe RM2k but do BT from PB CC RM10k? and u got RM8k for free? shocking.gif
This is nice, this is what I need now..Haha.. nod.gif
Lineage
post Oct 9 2014, 08:52 PM

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QUOTE(peri peri @ Oct 9 2014, 08:46 PM)
i already posted here before, for PBB BT, u just fill the bt form and your preferred amount to ur prefer bank without any supporting statement as long below ur CL. they dont care.
*
OMG..I just apply OCBC BT for RM10k, but my MBB cards only RM8k..lol..... rclxub.gif
If like that, OCBC will decline my application? sweat.gif
Lineage
post Oct 10 2014, 06:09 AM

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QUOTE(DarReNz @ Oct 9 2014, 11:31 PM)
is ocbc BT 0% too ?
*
http://www.ocbc.com.my/personal-banking/Ca...e_transfer.html wink.gif
Lineage
post Oct 10 2014, 10:56 AM

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QUOTE(DarReNz @ Oct 10 2014, 10:40 AM)
bro then u should apply for aeon/mbb BT instead 0%
*
I'm using MBB..so the only choice now is Aeon? hmm.gif
Lineage
post Oct 10 2014, 02:56 PM

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QUOTE(Lineage @ Oct 9 2014, 08:52 PM)
OMG..I just apply OCBC BT for RM10k, but my MBB cards only RM8k..lol.....  rclxub.gif
If like that, OCBC will decline my application?  sweat.gif
*
Surprisingly OCBC just called me..I said my MBB card only CL RM8k, but I apply OCBC BT for Rm10k..She said no problem.. sweat.gif
Lineage
post Oct 11 2014, 01:08 PM

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QUOTE(DarReNz @ Oct 11 2014, 09:12 AM)
yeap u should apply if u want cash back can go for watami card
*
Enough credit card for now.. rclxub.gif
Lineage
post Oct 14 2014, 07:37 PM

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I guess my OCBC BT is successful. I saw my OCBC CL has been deducted. But until now Maybank still haven receive the money from OCBC..

Applied on 9 Oct for 10k OCBC to Maybank..but my Maybank CL only RM8k.. wink.gif

This post has been edited by Lineage: Oct 14 2014, 10:57 PM
Lineage
post Oct 14 2014, 10:56 PM

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QUOTE(smartly @ Oct 14 2014, 09:36 PM)
ocbc ---> mbb ?
0% bt ?
*
Yeah..4%..apply in internet banking cheaper..3.88% for 12 months..

QUOTE(victorywp @ Oct 14 2014, 09:53 PM)
he did mbb to ocbc but not 0%
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Sorry for the confusion.. doh.gif
Lineage
post Oct 15 2014, 12:19 AM

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QUOTE(smartly @ Oct 15 2014, 12:09 AM)
why don't you bt 0% from mbb --> ocbc ?

mbb outstanding a lot ?
*
Yeah.. sad.gif
Lineage
post Oct 15 2014, 12:27 AM

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QUOTE(smartly @ Oct 15 2014, 12:23 AM)
bt 4% ocbc --> mbb is a waste...
u need to pay 10k 4% to ocbc.

if 0% mbb --> ocbc, u pay no interest furthermore yr bt amount get 12 months installment.
*
At first thinking to cancel MBB, so use OCBC BT..but now change my mind already..and BT approved.. sweat.gif
Never mind la.. smile.gif
Lineage
post Oct 15 2014, 01:13 AM

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QUOTE(DarReNz @ Oct 15 2014, 01:03 AM)
u have actually couple of choices eg. maybank, aeon, public bank and recently citibank all 0%
*
Yeah, but I didnt do survey before this..and dont want to apply so many cards.. nod.gif

Lineage
post Oct 15 2014, 01:17 PM

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QUOTE(victorywp @ Oct 15 2014, 12:19 PM)
good, but usually i will mark up to the nearest rm100.

this month i have completed 5 bt...
*
Wow..so much..

Actually before the BT repayment finish, can we use other bank to BT the existing 1?

Example, my OCBC just approve, I pay for 3months but I plan to use MBB BT, Can I use MBB BT to pay off OCBC?
Lineage
post Oct 15 2014, 11:16 PM

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Update:

9 Oct - Submitted application through phone for OCBC BT
14 Oct - OCBC Card CL deducted.
15 Oct - Received the money from OCBC to Maybank. Called Maybank to transfer extra pay money to saving account. The processing time for the transfer is 8 days.
Lineage
post Oct 16 2014, 09:58 PM

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QUOTE(Lineage @ Oct 15 2014, 11:16 PM)
Update:

9 Oct - Submitted application through phone for OCBC BT
14 Oct - OCBC Card CL deducted.
15 Oct - Received the money from OCBC to Maybank. Called Maybank to transfer extra pay money to saving account. The processing time for the transfer is 8 days.
*
Just check, my extra pay from my OCBC BT has been transfer to my MBB saving account.. rclxms.gif
Excellent service from Maybank.. thumbup.gif
Lineage
post Oct 24 2014, 08:32 PM

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QUOTE(SingKer @ Oct 24 2014, 07:21 PM)
I think I overpaid too much (around 4K+) credit balance, that why get rejected (P.S: They might thought I rich, so no need BT unsure.gif ) . Not sure others who did overpayment, how much is the overpayment amount u all did?
*
I overpaid my MBB from OCBC around 8k and my MBB CL only 8k but do 10k BT..then the overpaid amount transfer to my MBB saving account.. laugh.gif
Lineage
post Oct 26 2014, 08:33 AM

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QUOTE(victorywp @ Oct 25 2014, 11:31 PM)
pbb doesn't need statement for bt application.
*
Besides PBB, what else bank dont need statement for BT application? I tried OCBC, they dont need statement, and dont bother other side of CL also..They just approve whatever customer request as long as meet their requirement which is max 90% of OCBC CL.. laugh.gif
Lineage
post Oct 26 2014, 01:56 PM

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QUOTE(leo_kiatez @ Oct 26 2014, 10:44 AM)
How long does ocbc take to credit the payment money? :-)
*
Total 7 days including weekend..from application to receive money+transfer out to SA..hehe..
Lineage
post Oct 29 2014, 05:04 PM

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QUOTE(Without @ Oct 29 2014, 04:41 PM)
27 Oct 2014 Email to Aeon with BT Apply form & Statement
28 Oct 2014 Aeon replied email.
29 Oct 2014 Received call from Aeon to verify, approved after few hours.

Aeon only accept BT based on Statement amount, you can't go further than that.

BT MBB > Aeon
*
But if I would like to use BT to cover existing BT how? Currently BT is bill month by month..but I want to lump sum BT all..
Lineage
post Oct 30 2014, 11:02 AM

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QUOTE(lamode @ Oct 30 2014, 10:58 AM)
24 OCT - emailed BT form and AEON statement to MBB @ mbbcardservices@maybank.com.my
27 OCT - Received human acknowledgement email
29 OCT - Payment cleared in RHB Online
30 OCT - ONE TIME CHARGE & WAIVER appeared M2U
*
AEON? MBB? RHB? rclxub.gif
Lineage
post Oct 30 2014, 11:08 AM

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QUOTE(lamode @ Oct 30 2014, 11:07 AM)
my bad... edited it.  tongue.gif
*
Hahaha.. doh.gif



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