Anyone having this issue when using MBB BT?

WAIVER OF 3% UP FRONT FEE-190914 RM60.00
ONE TIME CHARGE RM84.00

This post has been edited by tifosi: Sep 24 2014, 09:23 AM

Yup, BT to 2 banks in 1 single form. Gonna wait till end of the week before calling them.

I almost maxed out both my MBB and AEON CL. I need more limit.

Anyone knows what's the CL for MBB BT? 80% or there's none?

The cheque from AEON to MBB haven't clear yet but I want to BT my AEON amount back to MBB already as I am cutting the date a bit close.

Thanks

I did a BT for 90% my available CL from MBB and MBB called me saying that they only approve 80%. Seems like they are inconsistent?

Well, someone did managed to BT 90% of the CL so I thought why not to give a try. And another guy also reported that MBB CS told him that it's 90% of the CL.

I also use BT to buy time. The debts I have from BT is incredible. I almost maxed out both my Aeon and MBB as of now. Just that I dump the money into my housing loan and use my future salary to pay off those BT. Every month salary in, almost all goes into paying CC

Still can survive. If cannot then just swipe for meals to enter into infinite BT loop

Yeah. BT is advantageous to discipline people. Need alot of tracking. Like for me, my available CL is on top of my mind always so I don't get embarrassed when swiping

And I make sure the money I suppose to pay goes into my loan account and not iPhone 6

They only gave me 80% last time round. But there are some reported that they could go up to 90%.

Semi flexi where RM 10 is charged for each withdrawal. So far I haven't withdraw before.

Good discipline for me to save more because nowadays I only have a limited dispensable income to spend because need to pay massive BT every month

My recent BT also don't have the one time charge and then credit back the amount into the account.

fruitie is addicted to Balance Transfer.

I remember someone said is her first and last time

Yes. Not only BT but also 0% installment. I had some trouble getting my home loan approved because I had too much BT and also a 0% installment.

Too many credit cards also hurt you. I had I think 6/7 cards when I applied for my recent home loan. Total CL is double my annual salary. Even my total outstanding is way below my available credit limit but the banker said I had too much exposure.

So I need to gather all my credit card statements for the past 6 months and prove to her that I can afford to pay and never had any interest/late payment charged. Plus all my FDs and investments to prove I can afford the house

Ouch! This sucks. Now I really have to pay my CC on time

I almost maxed my MBB CL and MBB declined my CL increase (which I should entitled to because my salary has increase 1.5 times since the last round). My mistake was I should had asked for CL increase prior to all the BTs. Now they see my CL almost maxed out they also scared to give me

And no PBB card because I am not eligible for their VS yet

This post has been edited by tifosi: Jan 16 2015, 10:33 AM

I tried 90% of available credit limit once and they rejected me and told me 80% max.

Guilty as charged But then I don't go overboard and BT to overpay and withdraw. Seems like many does that.

But Public Bank is 5K per BT. Usually my BT hovers around 2-3K only. Just a tiny fish in the sea trying to get as much food as he could

I actually saw this coming long ago and posted here last year

Those who has 2 AEON cards, Watami and gold, have you tried BT with the 2 different cards? I cant BT with Watami anymore because my lapse time is not 6 months yet. However my Gold card is BT free. Anyone got approved?