https://ringgitplus.com/en/balance-transfer...-Programme.html

sifu..

if i opted from above link for example..10k,
with 24 months 0% p.a. and no one-time upfront handling fee,

means that 10k/24 only right?

means 417 monthly..

correct or not?

Isn't the monthly payment = 5% of outstanding amount?

mislook about that

still, its ok right?5% from outstanding still ok with me

and 2nd month, 5% is reducing right? or maintain..

from 500 > 475..or not?

hello sifus
need some info and guidance/professional advice

current i got some CC debt that i would like to do a BT with

is there any Bt plan that is 0 upfront fee/interest and can settle early without penalty?
of course with low monthly interest...

i read up and got a few like aeon, bsn... hsbc?

thanks for advice

check post #1

thanks for the info

to those applied recently, any difference applying aeon card in the mall and thru online? gifts... offers...

got gifts meh?

tot wanna apply aeon bt too...

via online..just submit the latest statement and the form..

Apply in the mall or Aeon Credit will get RM10 Aeon Voucher. Not sure about applying online though.

the hassle to go there...

unless rm50...kinda worth it...

Don't purposely go there to just apply la..lol..Apply it when you are doing your grocery, shopping etc.

haha...i just call them..they said no promotion also for walk in customer..

cannot wait any longer..later late approve

Looks like i failed to secure CC this time. My application was rejected for affin and AEON. (Alliance and PBB still pending)

However i have applied UOB loan 3.99% per annual @ 12mths tenure and HLB loan 5.60% per annual @ 24mths tenure for RM39.4k combined.

Should be sufficient for my business expension and share allocation.

This post has been edited by JustForCheonging: Apr 23 2016, 08:42 PM

that is why i congratulates you in first place for putting all unsecured loans together in first place

pbb will follow.. alliance 70% follow too

uob i duno maybe uob will take the risk .. if uob took more than 14 days pending prepare to see all reject

Already had UOB cc with me previously. Luckily a kind lady called me and informed me about the promo. I have abandoned the thought of getting BT this time, thanks for all your advises

AEON offer 0%, no upfront fee and no early termination penalty, seems like too good too be true. any hidden charges?
I was thinking of paying my bills with CC X for utilities rebate, then bt to AEON, then clear with CC Y for online rebate via POSOnline
you guys think it's worth the hassle?

Drawback. Only allow bt every 6 months

Wonder why u want to do that?

settle the installment for month 6? so u can apply balance transfer every 5 months?

Hello sifus, credit card and balance transfer is new to me, just wondering how does this work?

So, I have two credit cards from two different banks, can I transfer both debts to one bank only and enjoy lowered interest rates? 6 months is a bit hefty IMO albeit the 0% interest, 1 year should be good. Any suggestions for the best solution will be very much appreciated!

u can transfer both card debt to 1 bank provided that bank is not the issuer of both cards

If you think 6 months 0% interest is hefty, you should not have spent so much in the first place. Imagine you have to pay ALL in 20 days if there is no BT.