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

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sendohz
post Dec 4 2017, 09:55 AM

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QUOTE(realitec @ Dec 4 2017, 08:51 AM)
Answer as below. My BT account's amount only shows the amount I applied for.
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Ok thank you.
Will SMS them first.
sendohz
post Dec 4 2017, 11:32 AM

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QUOTE(MGM @ Dec 4 2017, 11:06 AM)
Is this HL's BT by invitation only n via call from CS?
3 months BT means 3 monthly repayment?
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I got SMS for this BT.
Need to reply the SMS in order for them to call us.
sendohz
post Dec 5 2017, 03:44 PM

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QUOTE(MGM @ Dec 5 2017, 03:21 PM)
I just talk to a HLB CS regarding the 3-month 0% BT and was told that there is a cash interest charged even though  full payment  based on statement balance is made by due date. Anyway he sounded inexperience. Anyone can explain?
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Hidden charges?
sendohz
post Dec 5 2017, 04:15 PM

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QUOTE(psiloveu @ Dec 5 2017, 04:00 PM)
Not hidden charge, just need to figure out when is the special rate expiry date and settle it the day after the special rate expire.
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Ok. Thanks.
sendohz
post Dec 8 2017, 08:47 AM

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QUOTE(RickRick88 @ Dec 8 2017, 07:16 AM)
Hi. Any update on this? Is it 5% from month 1 -5 then remaining balance in the final month?

My previous experience was 5% month 1 -5 then one lump sum in the end.
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Yes 5% for each month and final month is the remaining.

sendohz
post Dec 16 2017, 12:17 PM

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QUOTE(fruitie @ Dec 16 2017, 11:51 AM)
HLB BT looks good eh. Can give it a shot, wondering if just owning MACH card will allow BT.. hmm.gif

Hmm your example above. Nov has no 31 days... Sorry, just can't help it. laugh.gif
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Yes i just accepted the 3 mths BT from the HLB CS two days ago.
I'm holding HLB MAch and i have a BSA with HLB.

Straight ask him to out into that BSA.
His explanation on the repayment mechanism was clear and concise.
sendohz
post Dec 18 2017, 08:32 AM

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QUOTE(fruitie @ Dec 16 2017, 01:13 PM)
Awesome news! Will do it later. 10k is good enough for me. I wish it was longer than 3 months. laugh.gif
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The best BT procedure as of this moment.
Cant withdraw out to saving account somemore.

Too bad my HLB CL is not that awesomely high i'm content with the free money and the 3 months interest that i will get from PMMMF
sendohz
post Dec 18 2017, 09:50 AM

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QUOTE(fruitie @ Dec 18 2017, 09:33 AM)
Actually mine too. I only used it for MACH and I reckon 10k was more than enough for me and I didn't ask for any increase. Anyway, it's too late for me to increase now since the promo will end on 31st Dec.

Assuming if I transfer 8k, my last month of payment can I BT to MBB? Can I pay earlier or must be the due date minus one day?
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The CS clearly explained that you can clear the last payment but leave it like RM1-50 to avoid any early payment penalty (before BT due date)
then on the expiry BT due date itself pay everything.

YOu can search in this thread where others have done it and shown screenshot example
sendohz
post Dec 20 2017, 04:02 PM

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QUOTE(fruitie @ Dec 20 2017, 03:46 PM)
I can see my CL available balance has reduced significantly and less than 10% now because I still spend in between. tongue.gif

I supposed my BT is already approved, however I cannot see it in my app or Hong Leong Connect page. Where can I see my BT account? I can only see my existing credit card.

Also, usually by when I will receive the fund in my bank account?

Thanks. biggrin.gif
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Mine took 3 working days.
sendohz
post Dec 21 2017, 09:06 AM

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QUOTE(fruitie @ Dec 20 2017, 04:04 PM)
Got it. smile.gif
I will monitor then. biggrin.gif
3 working days for the fund to be transferred ya?
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Yeap
sendohz
post Dec 21 2017, 04:58 PM

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QUOTE(MGM @ Dec 21 2017, 01:16 PM)
Actually I wanted sifus here to verify whether my explanation n dates are correct or not. Expiry date is actually the final statement date n BT  repayment due date same as the credit card's due date, correct?
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Correcto
sendohz
post Dec 30 2017, 08:40 AM

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QUOTE(lilsunflower @ Dec 30 2017, 01:26 AM)
Per card.

But here's how you can overcome it. If you have 3 Maybank card's just transfer the total to your card with highest balance. Then when funds come in, you will have a credit balance on that card. Just call CS and ask them to pay off the outstanding balances on the other cards. It will take 1-2 days max for payment to be reflected although they will say 2-3 days.
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From the latest call to MBB this week itself, CS told me i can only pay off ONE credit card with the overpayment.
I was like, huh?? i asked again, pay only ONE card? Then she said yes only ONE card.

Anyway i asked her to transfer the balance of overpayment to my saving account so that i can pay off my other cards.
sendohz
post Jan 9 2018, 08:51 AM

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hmm might try to call to call center to request for existing member to be eligible?

sendohz
post Jan 9 2018, 08:57 AM

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QUOTE(MGM @ Jan 9 2018, 08:56 AM)
May be they will offer u when u say u want to cancel d card.
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Oo good idea.
I'm still waiting for the CR for my mastercard CR to be credited.
Then will call to cancel.
sendohz
post Jan 19 2018, 10:04 AM

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Sent BT form to Aeon yesterday morning but until now no call yet from them.
Only receipt auto mail acknowledgment
sendohz
post Jan 24 2018, 01:45 PM

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QUOTE(psiloveu @ Jan 24 2018, 01:43 PM)
Just applied HLB via online, done......fast and easy as MBB.
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Nice.
Will apply once the special promo installment finished.
Since CL is quite low for HLB
sendohz
post Jan 25 2018, 02:39 PM

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too bad my CL very low for HLB, after the special BT cash out, left a bit only.

sendohz
post Jan 25 2018, 02:56 PM

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QUOTE(fruitie @ Jan 25 2018, 02:44 PM)
I just requested to upgrade, let's see how long it takes. Same CL since 2015 but I never ask for any increase in the past. tongue.gif
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request online?
can direct me to link?
sendohz
post Jan 26 2018, 01:49 PM

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QUOTE(fruitie @ Jan 26 2018, 02:15 AM)
sendohz, I just logged in to HLConnect app and I'm pleasantly surprised my CL has increased 1.5x from my original CL. Nobody contacted me after I dropped a message via HLConnect and I didn't manage to attach any supporting documents there.

Probably they referred back to the email I sent earlier for the documents I sent. Everything took only 1 working day.

With this new CL which is almost the same as my MBB CL and AEON CL, I can have a good time playing around with my BT. biggrin.gif
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OK thumbup.gif
Will do so when time allow
sendohz
post Feb 5 2018, 12:19 PM

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Any knows which email to forward to HLB for credit limit increase?

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