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Credit Cards Balance Transfer (BT) Plans V4 - Banks Offer List, Credit card debt consolidation

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chiahau
post Feb 8 2018, 11:16 AM

Fatthau StalKer
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QUOTE(psiloveu @ Feb 8 2018, 11:03 AM)
Called the bank customer services department, 0% only applicable to "New Customers".
I told them that the product's terms & conditions sheet din mention about this 0% is only for new customer........
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T&C don’t have, screenshot and BNM them laugh.gif

I got a Bank to honor their mistake before due to their T&C after complaining to BNM.

Actually, more than once laugh.gif
chiahau
post Mar 2 2018, 12:00 PM

Fatthau StalKer
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Someone go complaint the T&C stated till 31st laugh.gif

Maybe HLB will honor it till then hahaha
chiahau
post Mar 2 2018, 12:20 PM

Fatthau StalKer
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QUOTE(wongmunkeong @ Mar 2 2018, 12:16 PM)
I did heheh
Called, they checked, called me back - confirmed that the BT has no "pool limit" + ends on 31st March
I stated again - HLB CONNECT online ya, response = ya

Then i offered to send them a screenshot of today's page showing 4th March 2018 ending & did so, to their HLBB (hlonline@hlbb.hongleong.com.my)

Anyway, i was asked to put in my BT request before 4th March, just in case heheh.. farnee. Running program cam ni pun Kelang kabut (online vs official)  laugh.gif And, yes - being pessimistically optimistic, i whacked another chunk first (baru je).  sweat.gif kiasu-ism in me
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I’m in the midst of increasing my HLB limit to qualify for 49,990 or whatever so I’m crossing my finger that it can last till 31st March lol.
chiahau
post Mar 2 2018, 05:01 PM

Fatthau StalKer
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QUOTE(Iceman74 @ Mar 2 2018, 04:59 PM)
what is that?
your card is not newly applied?
increase credit limit can be done so fast?
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Depends on banks? Maybank 1 week or even less can get liao once you submit your latest income documents.

Assuming it's the same for HLB, by next week should be able to increase already.
chiahau
post Mar 2 2018, 08:12 PM

Fatthau StalKer
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QUOTE(terence_say @ Mar 2 2018, 06:53 PM)
Just done a RM20k HLB BT to Maybank, approved instantly and the fund reach my maybank credit card the next day.

Downside is only able to transfer to card, cannot direct transfer CASA, still prefer previous BT prompt that can transfer CASA.
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Better than nothing wor laugh.gif

At least you can cash out but it takes another 3-5 days lor.
chiahau
post Mar 3 2018, 08:43 AM

Fatthau StalKer
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QUOTE(lilsunflower @ Mar 2 2018, 09:59 PM)
Mine took 3 working days (did it last week).  I kiasu fax and e-mail form and messaged them on HLB connect hahaha.  Managed to increase to RM100k but then found out the BT limit is only RM49,900.
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RM 49,900 per attempt of BT or RM 49,900 for the entire promotion?

Perhaps you can BT the same amount twice to Test it out? laugh.gif

Clause 5 of the T&C only said it’s maximum RM 49,900 per application and not per entire promotion? hmm.gif

This post has been edited by chiahau: Mar 3 2018, 08:44 AM
chiahau
post Mar 5 2018, 10:03 AM

Fatthau StalKer
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QUOTE(iamoracle @ Mar 5 2018, 09:10 AM)
I just had an idea but I don't know if this is workable or not. This will require you to have Boost e-wallet.

Upgrade your account to Premium for free and that will increase your wallet limit to RM1.5K. Next, top up your e-wallet with the credit card that you had overpaid with BT. Once that money is in your e-wallet, you can transfer it out to your bank account.

Here's the flow:-
E.g.
BT RM1.5K to CC -> Top up e-wallet RM1.5K with the CC -> Transfer RM1.5K out to saving account -> Withdraw and use. smile.gif

Disclaimer: The method is not tested and proven yet.
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Why so susah?

Just Bt excess amount to MBB CC and cash out la.

Confirmed method and it works. At least until MBB shuts down the loophole laugh.gif

QUOTE(psiloveu @ Mar 5 2018, 09:59 AM)
The BT total amount can up to 90% or even higher of your credit limit......so u can do multiple BT to reach that percentage.
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That’s my question as well.

If I have 200k limit with HLB for example, can I do 4 Bt application worth 49,900 each?

Because the terms and conditions does not state only can do it once or the max limit is 49,900 irregardless of your limit.

chiahau
post Mar 5 2018, 10:29 AM

Fatthau StalKer
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QUOTE(psiloveu @ Mar 5 2018, 10:17 AM)
U can try to do a 49K BT first.  After that, log out and relogin and see what is the BT amount u still can go ahead.
So far I have multiple BT accounts.....which BT amount >95% of my CL. laugh.gif

FYI, this is what I heard from CS......if BT amount 50K and above, will need manager to approve.
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laugh.gif

Means doable in some ways. Okay la, let me increase my limits till it can do multiple first then only i headache tongue.gif
chiahau
post Mar 6 2018, 09:24 AM

Fatthau StalKer
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QUOTE(fruitie @ Mar 5 2018, 10:44 PM)
I have a question regarding transferring excess from BT into CASA.

Assuming if I request to transfer 10k from HLB BT to my Maybank CC. Can I request to transfer out 10k into my CASA or must it first used to offset any outstanding payments? Let's say if I have 1k outstanding payment which is yet to due, will MBB allow me to still transfer out 10k or just 9k? unsure.gif

Another question is if transferring 10k, any issue from MBB? Will they question a lot? I'm not good in finding excuses. sweat.gif

No more big amount outstanding but thought of fully utilize HLB BT before it ends by end of the month.
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10k is a-okay.

I tried 12-14k before also no problem.

They will offset all outstanding first before letting you cash out the balance.

And Maybank usually won’t give you a hard time. But to be safe, keep it below 10k and do twice if you want to be super safe.

I’ve done 5k x4 times cash out because worry kena question lol.
chiahau
post Mar 6 2018, 09:47 AM

Fatthau StalKer
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QUOTE(fruitie @ Mar 6 2018, 09:36 AM)
Got it. How long did you take to complete 4x RM 5k?

That means I transfer to my unused card which has no outstanding and cash out everything, I hope they won't force me to offset other cards pulak. laugh.gif x
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About 3-4 days after I request to transfer the leftovers.

They won’t ask you to offset other cards one. So far never encounter before.
chiahau
post Mar 6 2018, 10:11 AM

Fatthau StalKer
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QUOTE(iamshf @ Mar 6 2018, 09:52 AM)
Don't need to keep below 10k
I request to trf 30k also no question ask, just remind me to check back CASA after 5WD
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There was few occasions where some people are questioned when the amount exceeds 10k.

Of course, that information could be dated laugh.gif
chiahau
post Mar 6 2018, 11:40 AM

Fatthau StalKer
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QUOTE(ycs @ Mar 6 2018, 11:21 AM)
wonder if its too late to apply for HLB card and get BT to MBB brows.gif
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Never too late tongue.gif

At most takes 2 weeks. After 2 weeks okay d la.
chiahau
post Mar 7 2018, 12:48 PM

Fatthau StalKer
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Omg HLB another BT gift!

Time to start BT!

Submitted my forms for Cl increase today. Hope it clears by Friday.

Gonna start moving from HLB to Pbb. Pbb to MBB. Then MBB to Pbb again!

This post has been edited by chiahau: Mar 7 2018, 12:49 PM
chiahau
post Mar 9 2018, 11:05 AM

Fatthau StalKer
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QUOTE(eric84cool @ Mar 9 2018, 10:57 AM)
What's the email address?and what documentation do I need to attach?

Sorry if being asked earlier by others. notworthy.gif  notworthy.gif  notworthy.gif
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Basically, whatever you can attach to show that you are worth the increase?

Latest payslip, Bonus payment, BE/B form, Tenancy Agreement, Property Titles or whatever that you think is an asset to you laugh.gif
chiahau
post Mar 9 2018, 11:55 AM

Fatthau StalKer
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QUOTE(MGM @ Mar 9 2018, 11:37 AM)
I tot only employment incomes are considered and not any other assets.
I quitted my job last year but b4 that never bother to ask for higher CL, luckily has high CL from MBB, PBB to do BT merry go round, but only 12k for HLB which is fully taken up by 3-month 0% BT. Will current assets like  ASx and EPF be accepted for CL increase?
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Dunno. I submit whatever I deem as an asset to the bank to justify.

Sometimes they do take into account.

In the end, it's their choice. But one thing for sure, ASx is considered as a form of income tongue.gif

Gotten a CL increase before from ASx statement submission along with increased pay last time.
chiahau
post Mar 9 2018, 05:27 PM

Fatthau StalKer
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QUOTE(iamshf @ Mar 9 2018, 05:17 PM)
The HLB BT promotion is interesting

Any recommended card from HLB?
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Their VI has no annual fee laugh.gif

It looks atas also.

Other than that, their other cards not so interesting.
chiahau
post Mar 12 2018, 12:18 PM

Fatthau StalKer
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QUOTE(sendohz @ Mar 12 2018, 12:07 PM)
Unfortunately until this end of month
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Who cares about MBB now when HLB is our saviour laugh.gif

I think they’ll discon this promotion soon coz most members here will definitely abuse it lol.
chiahau
post Mar 16 2018, 08:06 AM

Fatthau StalKer
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From: Malaysia


QUOTE(David83 @ Mar 15 2018, 07:23 PM)
Maybe they look into CCRIS record too.
Will they?
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I had a late payment last few months for my housing loan ( coz it was a bloody weekend and my account was short by 1 ringgit earlier for the SI to automatically deduct the money ).

But no issue when I submit manual BT also.

Unless your card has late payment which I doubt, Maybank should have no issue :/
chiahau
post Mar 19 2018, 02:23 PM

Fatthau StalKer
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QUOTE(David83 @ Mar 19 2018, 01:17 PM)
Received official email from MBB:
Don't bother to call CS to ask for reason also. Just feeling stupid!
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Troll bank.

Forget about it and move on. You won't die from the lack of one BT tongue.gif
chiahau
post Mar 23 2018, 06:31 PM

Fatthau StalKer
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QUOTE(cybpsych @ Mar 23 2018, 05:39 PM)
Thank you! We’re nearing our campaign fund size, and the Current / Savings Account Transfer plan will end on Sunday. T&C at hlb.com.my/bt

user posted image
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Finished my quota of 50 already thanks to this extension biggrin.gif

Can’t say I’m unhappy with HLB

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