Yes. Call cs.

how come u guys get 3% waiver at the same day?
I still did not get it.. LOL.. gotta make a call the MBB

1 Oct BT application submit to MBB thru email.
3 Oct 3% one time charges charged in MBB CC account
7 Oct PBB received the fund
7 Oct CIMB received the fund
7 Oct waiver of 3% up front fees

3 Oct BT application submit to PBB thru email.
still no news yet.

This post has been edited by cyang: Oct 8 2014, 10:48 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

For MBB, just call in.

I just request permanent credit limit increase for my MBB..
I only got 33% increment. LOL

This post has been edited by cyang: Oct 10 2014, 05:15 PM

Just to update you guys. I had received the refund from MBB.. IT IS SO DAMN FAST..
I'm so proud of MBB services.

I expect more

Anyone knows is CITIBANK Credit Card having promotion for 0% balance transfer for 12 months?

https://ringgitplus.com/en/balance-transfer...nsfer-Plan.html

It mentions "0% for 12 months. Offer ends 31st December 2014."

https://ringgitplus.com/en/balance-transfer...nsfer-Plan.html

It seems like just 1 time sign up offer. I will check with Citibank CS and update here

Just to update you guys what I had find out about Citi 0% BT deal.

Apparently ringgitplus make a mistake on their product.
They had rectified it.
Below is the email from them.

"Thank you for your visit to our website.

Regarding the Citibank Balance Transfer, we are sorry to tell you that the mentioned information from our website for the product is wrong. We have checked with Citibank Customer Service, the bank actually offers interest rate from 6.99% for their balance transfer.

We have forwarded this things to our Product team to update our website."

This means I can merged the BT amount from few Credit Card or minimum amount transfered from 1 bank is Rm1k?

Thanks for clarification.

Thats the current balance transfer promotion by maybank.

http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

what do you mean HLB can get cash via BT?
Do you mean transfer overpay to CASA?

This is what I always do.
Just I'm confused with the word you used on 'withdraw cash with that card'. Initially I thought you mean you do 'cash advance'.
Actually not only HLB can transfer overpay to CASA, others bank can do it too

This post has been edited by cyang: Nov 5 2014, 02:23 PM

if transfer overpay from Maybank CC to Maybank CASA, it will just take 1 day.

then you might be unlucky one.
I had did quite a number of transfer. It only takes one day.

Actually MBB can offer you to BT more than statement balance.
My last BT was actually BT 3500 (based on statement) from PBB to MBB.
MBB call me to verify the details, and they notify me, my available credit limit is up to 8k. They can actually allow me to BT up to 8k. Means I will overpay PBB by 4500.

But I did not accept it, simply because I want to swipe my MBB for some big expense.

Not sure how many of u face these before. Maybe u guys can request next time if u want to opt for overpay

1st question, you can did AS MANY BT AS YOU WANT in any timeframe give you still have available credit limit (AEON/PBB 80%, MBB 90%). If I not mistaken, someone here mention they use the same statement to apply BT, and the bank actually did approved without really check it.. haha.. you may just try your luck using same statement.


I did few times BT with MBB. ONLY the very 1st time, they did not call me to verify my details.. They just approve and made the payment all by themselves.

Second time onwards until today, all the BT I made, they will call me personally, to confirm my details, BT amount, which bank, monthly payment, explain all the details to me for EVERY application.

There is one time, one of the officer actually mention to me, if I'm interested to BT more amount instead of statement balance since I still have some available credit limit.

I'm not sure whether everyone receive this before. Or maybe you can try to request during the phone verification? Good luck


P/S : If MBB did not call you on the next day, you can wait for few more days or call them back immediately. MBB is the best on processing BT. fast approval fast payment.

UNLIKE AEON, I sent my BT application last friday but did not receive any call from them (which usually happen on the next working day). So I decided to call them on wednesday to inform them that I NEED THE PAYMENT PAID ON 15 dec, PLEASE process right now.. Then today, they called me, did all the verification and according to her, cheque will be issued today. Again, as mention by quite a number of people here, AEON is very slow in processing BT application.

This post has been edited by cyang: Dec 5 2014, 01:37 PM