Sigh, last 2 Aeon BTs declined again.Total declined by Aeon 4 already.Successful Aeon BT =31.
Declined once by PBB- overpayment cannot be used for BT at all, unlike Aeon. Succesful PBB BT = 10.

4 BTs declined no reason informed. My Bt had used up more than 100% CL long ago. playing on overpayment since.
I submitted another BT on 30.9.14 RM3684 (Mbf +RHB), received call verification on 1.10.14, no SMS approval yet.
Yesterday submitted another RM2700 (Wise and PBB), today received call verification but again no sms approval received.

But when i checked Aeon website available CR was RM11461 now become RM5077, i presumed my BTs all approved oredi.
Somehow no sms sent out to inform BT approved now??

You would never find out why some BTs are declined becos the next one you apply can be approved! and no need cool off period.

Taking RM40k from CIMB BT?! How much fee and interest you would have to fork out....? Why not go for PBB or MBB or Aeon ?

delete accidentally double post

This post has been edited by guy3288: Oct 2 2014, 11:43 PM

no need statement i see, no wonder lah....

that day when i needed overpayment to Aeon, i simply tried submit one previous old Aeon Statement and that BT also got approved by MBB........

me tu tu tu

MBF card also 0% BT.
Came just in time for me when my PBB CL has also gone low.


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i overpaid much more. every month statement comes no need payment, got some more CR.

This post has been edited by guy3288: Oct 24 2014, 08:15 PM

dont know. i received it in email

just wonder how long the gold laying goose is going to allow us to go digging.........ha ha.

waiting to transfer my first RM5+k to MBB SA. hopefully no query2 like how i pay the money etc..

Aeon again putting some brakes , bt39 n bt40 declined. next bt fr pbb will be up soon, hopefully allowed, if not 20k+ overpayment will be idling...

pleasant surprise.......

MBf zero fee balance transfer offer (ended 31.10.2014) also gave out
Bonus Link Points for BT.

Though i received that offer near its end, still managed to hit 3 BTs
there...... and got 5711 points, RM10 = 3 BL points.

best part is one of them is an overpayment to my MBB AMex and i got that RM5+k refunded into my MBB SA - interest free cash for 6 months.

from my experience, talking about MBB, your 11k BT would be declined. your 'actual' CR balance is 4k, can do BT for RM3200 only. Overpayment does not count, unlike Aeon.

But MBB refund is simple, say statement showed payment due RM2000, if you pay RM10k, can get refund RM8k, no deduction from current outstandings accumulated, again different from Aeon.

I had overpayment RM9700+ in Aeon on 3.11.14 when i requested refund (after Aeon declined 2 BTs), by the time the officer called to approve it on 7.11.14 the refund amount has reduced to RM5700+ , deducted BT installments posted from 3-7.11.14. Interest free cash advance, never mind.

MBB refund is too haphazard.

my MBB statement was 5+k.
I did BT 5+k twice to 2 other banks, so MBB got paid 5+k x 2 - i asked for -refund of one of those 2 payments , RM5+k refunded to my MBB SA- done.

Then i use PBB BT to pay another RM7+k to MBB. I emailed in asking for refund of that 7+k. Next 2 days i made a call enquiring about that refund 7+k, the CS told me only got CR 5+k (must be RM7+k - current spends), and she said she will refund that 5+k.

Then next day i received 2 refunds same day, RM7+k and 5+k in my SA.
So MBB has actually over refunded. hope they are not going to charge me interest as in effect my that statement balance of 5+k was not paid at all, since paymnent has been refunded back, infact refund amount is more that that statement amount!.

i believe it was a mistake on mbb part, their system and CS officials acted incoherently.

instead of retaining one of the 3 BT payments made from my credit cards with aeon, Mbf and PBB
it has refunded all the 3 payments, totaling > 17k to me. I whacked it all in ASM.

And the offer from MBf comes again.

This post has been edited by guy3288: Nov 21 2014, 10:12 PM

try this:
http://124.217.227.177/BALANCE_1911/index.html

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?

Yeah, i oso just got my Aeon BT declined. My CR bal 10k in Aeon, I applied BT from OCBC RM8000.
No reason given but i suspect is becos i did too many Bts already. let it rest for a while do again next time and it will approve.

the good time is over........for old timers at least. For new customers may be you all still can get Bt approved.....Will be curious to know if those who have done many BTs before, still get their recent Aeon BTs approved......

my last 2 approved Aeon BTS were applied on 5.1.15 and approved on 6.1.2015.

But my latest application on 14.1.15 and 16.1.15 were declined.

So if any veteran BTers managed to get approval after 14.1.15 that is what i am interested to find out.