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

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realitec
post Feb 1 2018, 11:24 AM

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QUOTE(LostAndFound @ Feb 1 2018, 11:09 AM)
In the end only got reply yesterday saying 'we have forwarded it to the relevant department'. 8 days for that (application sent 23rd, 31st send this 'forwarding' email).
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I see, hope the waiting game ends soon. It is strange they use more than 1 week working days to process your application.
realitec
post Feb 8 2018, 06:15 PM

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QUOTE(LostAndFound @ Feb 8 2018, 04:48 PM)
Hmm, resubmitted my balance transfer application to AEON. Email sent 3 hours ago, already got rejection sms. Wonder why... My current utilization on that card (AEON BIG) is 0 ringgit (fully paid off), and my application for BT was only about 40% of my credit limit.

Anyone experience this before?
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Are you new to Aeon? As I have one CC only eligible for BT on 50% CL only.
realitec
post Feb 12 2018, 07:16 AM

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QUOTE(skycrawler @ Feb 12 2018, 02:54 AM)
Hi Guys, any recommendations for BT CC. CIMB is having 0%  for 6 months tho. I read thru and a number of u guys use HLB CC. Should I apply for CIMB or HLB then? Please advise. Amount to BT is less than 10k from Ambank.
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Maybank is better actually for BT.. You may apply any CC based on your need.. If you could post it in recommendation thread, i believe some of the seniors will assist you. tongue.gif
realitec
post Feb 12 2018, 12:37 PM

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QUOTE(skycrawler @ Feb 12 2018, 10:26 AM)
maxed out my MBB with EPP tongue.gif

Looking for another CC
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I see, maybe get a HLB one. But please note the BT 0% is end on end of March if not mistaken.
realitec
post Mar 10 2018, 07:23 PM

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Does Citibank has any 0% BT? Or do they offer 0% BT previously?
realitec
post Mar 11 2018, 05:24 AM

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QUOTE(lamode @ Mar 10 2018, 09:37 PM)
cancelled my citibank card about 2 weeks ago, no 0% BT, but they did offered me low % BT, didn't ask details as i only want 0%.
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I see, thanks for the information. Planning to keep the simplicity and cancel the others with annual fee doh.gif
realitec
post Mar 12 2018, 08:37 AM

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QUOTE(iamoracle @ Mar 12 2018, 08:06 AM)
I need help on the HLB 0% 12 months installment BT. Referring to the T&C clause below.
Let's say my CC statement date 9th of every month which is due on 29th.

I see the following notice in my CC statement:- PLEASE NOTE THAT NORMAL 18% PA INTEREST RATE APPLIES AS THE SPECIAL INTEREST RATE EXPIRES ON 09032019
1st installment due 29-Mar-18
11th installment due 1-Feb-19
Last installment due 29-Mar-19

With that, is that mean I will be charged 18% if I pay my last installment on 29-Mar-19? Will there be any penalty of RM70.00 if I pay the last installment on 8-Mar-19?

Where can I find the info about expiry date of my BT tenure?

Thanks.
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Try to call CS on the last day of payment for full amount of BT. I have been guided when I applied for 3 months BT to SA.
realitec
post Mar 16 2018, 09:51 AM

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HLB no more offer 0% BT? As when i click on BT, only 6.99% 6month and 12month BT available.
realitec
post Mar 16 2018, 10:44 AM

Emiko for life~
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QUOTE(MGM @ Mar 16 2018, 10:10 AM)
Was told that only if your CL balance above rm15000 will d option appears.
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I see, thanks though.

QUOTE(OKLY @ Mar 16 2018, 10:31 AM)
Anyone has experience with Hong Leong balance transfer? I’ve made my first balance transfer and under my statement, they created another account number. Also I can’t find how much I should pay for the balance transfer?
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You can pay minimum payment. On the last payment before due date, then only pay full outstanding amount smile.gif
realitec
post Mar 16 2018, 10:53 AM

Emiko for life~
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QUOTE(OKLY @ Mar 16 2018, 10:48 AM)
So if last payment don’t settle in full only they will charge the interest?
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Yes correct. smile.gif Perhaps, you may call/chat with CS to confirm on your last payment date on BT.
realitec
post Mar 16 2018, 11:24 AM

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QUOTE(fruitie @ Mar 16 2018, 10:54 AM)
The date is visible on statement.
*
Thanks for the information. Now I see mine smile.gif
realitec
post Apr 20 2018, 03:05 PM

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0% 18 months Installment Payment Plan & 8% unlimited cash back on overseas spend

https://www.hlb.com.my/en/personal-banking/...ello-happy.html
realitec
post Apr 20 2018, 05:01 PM

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QUOTE(chiahau @ Apr 20 2018, 04:54 PM)
For HLB Mastercard only.

But yes, the 18 months EPP is GOOD.
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Thank you for pointing this out. Almost overlook though doh.gif For Installment we can swipe RM500 above anywhere to convert, meanwhile for 8% cash back only oversea spending. Correct me if I am wrong.
realitec
post Apr 21 2018, 06:47 AM

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QUOTE(chiahau @ Apr 20 2018, 05:04 PM)
Betul boss.

I purposely applied a Sutera Mastercard to use this 18 months EPP laugh.gif
*
I see, I am using I’m Mastercard. But nothing to swipe currently tongue.gif Happy spending bro.
realitec
post Sep 2 2018, 07:06 PM

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Any HLB bt currently? Like CC BT to saving account.
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