hi all,
want to ask about this promo by maybank.
8.88% p.a for 36 months (balance transfer).
is it a good time for me to do BT?
Credit Cards Maybankard 2 Gold & Platinum Cards V12, TP inflation,400TP=RM1 starting 1 May 15
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 Mar 30 2015, 01:52 PM
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#1
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485 posts Joined: Jan 2009  
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Mar 30 2015, 03:16 PM
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#2
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QUOTE(koinibler @ Mar 30 2015, 02:48 PM) Depend on you. Just you should know that you're going to be charge 25% upfront, which it's not very worth it if you had money to pay.  |
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Mar 30 2015, 03:56 PM
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#3
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QUOTE(koinibler @ Mar 30 2015, 03:39 PM) Yup, read term n conditions thanks sir, almost fall to the trap. All the example is already better explain there. I'm not sure how to explain it better. Just take the amount that you want to transfer, times 26.64% (8.88%*3) and divide back to 36 month, which is monthly amount that you need to pay. The thing is, this is all done in upfront. If the gift that interest you, need to mind that we already pay 2-3 times from the price of the device itself. The price of the item also already mention in the tnc. Kudos to Maybank that give a tnc that is well explain and easy to understand.  another question, again for BT. 0% and upfront handling fee of 3% (12 months) 4.5% and no upfront handling fee (24 months) If I take the 24months BT, is it give me more benefit? the differences is 1.5%. |
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Mar 30 2015, 04:21 PM
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#4
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QUOTE(laymank @ Mar 30 2015, 04:17 PM) BT is like a trap to can make it into deeper shit if not carefully handled. I missed the maybankard promo by one day. For me, I will only consider BT if there is a 0% interest, 0% unfront fee. And hefty discipline you will need to make sure you pay up on time. |
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Mar 30 2015, 04:40 PM
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#5
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QUOTE(laymank @ Mar 30 2015, 04:24 PM) thanks sir, I'll check it out now.  |
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