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

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lamode
post Jun 19 2018, 10:28 AM

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QUOTE(Tigerr @ Jun 19 2018, 10:25 AM)
What is ibft?
*
Instant Interbank Fund Transfer
lamode
post Jun 27 2018, 04:19 PM

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requested MBB to transfer 10k to SA few days ago, just now got a call asking about the source of funds, and officer specifically asked if it was BT and from what bank.

I answered truthfully and was told will be processed.

But guys, I am having a bad feeling that the game is ending soon... bangwall.gif sad.gif shakehead.gif

This post has been edited by lamode: Jun 27 2018, 04:20 PM
lamode
post Jul 2 2018, 09:15 PM

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QUOTE(lamode @ Jun 27 2018, 04:19 PM)
requested MBB to transfer 10k to SA few days ago, just now got a call asking about the source of funds, and officer specifically asked if it was BT and from what bank.

I answered truthfully and was told will be processed.

But guys, I am having a bad feeling that the game is ending soon...    bangwall.gif  sad.gif  shakehead.gif
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QUOTE(gastacopz @ Jun 27 2018, 10:17 PM)
got same call from MBB yesterday.

same script like you

today 11k funds received
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QUOTE(lorrydriverrocks @ Jul 2 2018, 09:11 PM)
Maybank i think already started clamping down on transfer of excess payment from CC to CASA
Got a call this morning telling me that there will be no more next time
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thanks for sharing the news...

we had a good time, shall look back with a smile smile.gif
lamode
post Jul 2 2018, 09:20 PM

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QUOTE(hwachong @ Jul 2 2018, 09:18 PM)
how long it take for the transfer to casa to be reflected?
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about 5 working days.
lamode
post Jul 3 2018, 11:21 PM

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QUOTE(wjleong15 @ Jul 3 2018, 10:08 PM)
i bt from ambank to pbb petron debit card
transfer to casa no charge
but be aware if huge amount need to call bank else will be block for transferring
due to security measure
this works similar to suddenly you swipe huge amount in your credit card oversea
the officer will call you before your payment will go through

*but debit card transfer to casa wont call you, you need to call, else daily transfer 2-3k until finish transfer, if you lazy to call
*
would it be possible just use the debit card to withdrawal cash from PBB ATM?
lamode
post Jul 4 2018, 10:51 AM

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QUOTE(wjleong15 @ Jul 4 2018, 09:48 AM)
Yes, subject to daily withdrawal limit
No need
When you transfer via pbebank to your casa with your desired amount
Transaction will be failed
Then you call to card center request the officer to approve the transaction
Then you retry again after 5 minutes
It shall go through
Then in casa is subject to max 50k daily with secure token
Else I don’t know how much but sure is lower than 50k
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ok, thanks boss for the info rclxms.gif
lamode
post Jul 11 2018, 08:02 PM

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QUOTE(matrix88 @ Jul 11 2018, 07:47 PM)
it had been few months oledi this Standard Chartered bank keep calling me up, althought I told her no need, she still call me. very persistent
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mind to share the package?
lamode
post Jul 12 2018, 07:18 PM

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QUOTE(matrix88 @ Jul 12 2018, 07:01 PM)
every month ask me to do bt lo.... with i think 3. something percent interest........ nothing to shout about, just that this lady is very persistent.
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thanks. that's very high when translated into effective rate.
if 1.x% still can consider, i am glad i opt out from their marketing, after that no more annoying call.
lamode
post Jul 13 2018, 03:35 PM

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QUOTE(karenq88 @ Jul 9 2018, 12:09 PM)
Ambank 0% 12 months BT promo still on?

I tried to apply but it shows 4.88% interest rate sad.gif
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QUOTE(SzeMeng76 @ Jul 10 2018, 09:16 PM)
0% 12 mths only for new to bank customer.
0% 6 mths heard only for selected customer. I dont know how true is that.
But I can go through for the 0% 6mths BT in system till now. (applied several times)
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i did a few 0% 6 mths some weeks back.
but today i don't see that option anymore, only left 4.88% for 6/12/24/36 mths sad.gif cry.gif

SzeMeng76 may i ask you to check again on your end?

Update: called CS, it's a common issue, the workaround is apply through phone for 0% 6 mths, no statement required. brows.gif brows.gif brows.gif

This post has been edited by lamode: Jul 13 2018, 03:58 PM
lamode
post Jul 13 2018, 07:35 PM

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QUOTE(SzeMeng76 @ Jul 13 2018, 06:10 PM)
Haha did not see your last row of update, so I go in a try.

[attachmentid=9913501]

ya still there. Wondering when this promo end ya? Cannot find any TnC though.
I also keep applying since CL is still available  brows.gif
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ends 31 JUL 2018... lucky lah u


Attached thumbnail(s)
Attached Image
lamode
post Jul 18 2018, 10:25 AM

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QUOTE(iamsolucky @ Jul 17 2018, 04:51 PM)
Dear sifus

Any promotion for MBB and HSBC BT ?
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if you are new customer to HSBC... then got 0% promo.

https://sp.hsbc.com.my/microsites/balancetr...elcome_2018.pdf

This post has been edited by lamode: Jul 18 2018, 10:25 AM
lamode
post Jul 18 2018, 11:35 AM

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QUOTE(peri peri @ Jul 18 2018, 11:26 AM)
actually the mbb BT 0% but with upfront 3% handling charge still a good offer
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EIR is 5.49 % liao...

not worth to put into mortgage or FD, maybe for higher return investment.
lamode
post Jul 22 2018, 04:02 PM

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for transfer balance in AEON to PBB, what bank do you put in the PBB BT form?
citi or aeon credit? icon_question.gif
lamode
post Jul 22 2018, 05:32 PM

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QUOTE(tifosi @ Jul 22 2018, 04:28 PM)
Citibank
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QUOTE(MGM @ Jul 22 2018, 04:30 PM)
Aeon credit
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1 vote each dry.gif
maybe both also can? hmm.gif
lamode
post Jul 22 2018, 05:52 PM

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QUOTE(MGM @ Jul 22 2018, 05:48 PM)
I suppose so. I have been doing so like every month.
*
thanks for highlighting... notworthy.gif
been long time since the last i had cancelled aeon watami card... just got new card last week.

This post has been edited by lamode: Jul 22 2018, 05:52 PM
lamode
post Jul 25 2018, 10:18 AM

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QUOTE(tifosi @ Jul 25 2018, 08:51 AM)
😅 I always put Citibank like how I pay my cards. I think doesn’t make a diff since both also successful?

What did you put in the end?
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i haven't.
will be putting aeon to be safe, as it is the "actual" name on card.
lamode
post Jul 28 2018, 02:25 PM

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QUOTE(prototype @ Jul 28 2018, 11:38 AM)
if I have multiple Maybank credit cards, and I BT to a card with 0 outstanding amount, will they allow to transfer the the credit to CASA, even when my other CCs still have some outstanding balance?

and is the only way to apply for AEON BT thru fax?
*
in short, MBB may ask you for proof of payment or you may be lucky, they transfer without it, it make no diff which MBB card you BT from.

AEON has email, try post #1 / read few pages back.

This post has been edited by lamode: Jul 28 2018, 02:26 PM
lamode
post Aug 8 2018, 09:14 PM

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QUOTE(trust4you @ Aug 8 2018, 08:30 PM)
what about ambank and affin bank bro, any idea regarding this two needing statement or not to transfer to MBB?
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ambank no need.
I did a few BTs with them b4, sometimes complete in a week, other time 2 weeks+.
lamode
post Sep 17 2018, 10:14 AM

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QUOTE(lilsunflower @ Sep 17 2018, 10:00 AM)
Has anyone used BT to pay Aeon card recently?

My MBB BT transfer SMS was received on Friday and my other CCs showed the funds received. But my AEON CC still has not received anything. I know its the weekend and public holiday but was just wondering if this lag is normal for Aeon.
*
normal. expect MBB's SMS date + 1 or 2 working day to reflect in AEON online.

This post has been edited by lamode: Sep 17 2018, 10:14 AM
lamode
post Sep 19 2018, 10:59 AM

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QUOTE(wongmunkeong @ Sep 18 2018, 02:23 PM)

Any experts know how to "fix" DSR issue if one has >90%+ DSR but cash flow & liquid assets-wise can prove no issue?

*
i had check with multiple banks around 2015, there wasn't really not much "fix", despite my FDs total to 6 figure and at time of application.
However getting an good banker with experience complex profile would make huge difference.
pledging FDs and restructure/reduce debt (reduce it with cash.. kinda unless as it defeats the purpose to me) were some of the advice i got.

i ended up early settlement for some BTs and other mortgage to reduce DSR.

if anyone wish to discuss further, please reply in the mortgage thread instead and tag me there smile.gif
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