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Credit Cards Balance Transfer (BT) Plans V4 - Banks Offer List, Credit card debt consolidation
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fruitie
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Aug 14 2025, 04:52 PM
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Rise and Shine
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QUOTE(coolguy99 @ Aug 14 2025, 04:46 PM) Anyone has heard about rhb cash xcess program? I recently got my new rhb card and they offered this for me. 0% for 12 months. Very tempting. And no fees. Yes, took before. It is like the HLB BT to CASA but not 5% payment like HLB, need to pay full monthly installment. This post has been edited by fruitie: Aug 14 2025, 04:54 PM
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jasontoh
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Aug 14 2025, 05:44 PM
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QUOTE(cybpsych @ Aug 5 2025, 04:29 PM) 0% Balance Transfer with PB Visa Credit Cards [ PBB | T&Cs ] 0% Flexipay with PB Visa Credit Cards [ PBB | T&Cs ]  This is funniest. After I applied the MC, then now Visa can do BT Good thing is they also increase my limit.
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LostAndFound
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Aug 14 2025, 09:29 PM
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QUOTE(coolguy99 @ Aug 14 2025, 04:46 PM) Anyone has heard about rhb cash xcess program? I recently got my new rhb card and they offered this for me. 0% for 12 months. Very tempting. And no fees. Yeah new-to-bank for RHB cards gets this one-time benefit. No strings, just pay in full on time and enjoy the interest-free loan.
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wira1979
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Aug 15 2025, 08:26 AM
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Don't know if shared before, Maybank EzyCash/-i having promotion: ZERO upfront fee for all plans. https://www.maybank2u.com.my/maybank2u/mala...ds/ezycash.pageIf you opt for 6 months repayment, the interest is 0%. Sharing for anyone interested.
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fruitie
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Aug 15 2025, 11:13 AM
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Rise and Shine
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QUOTE(wira1979 @ Aug 15 2025, 08:26 AM) Don't know if shared before, Maybank EzyCash/-i having promotion: ZERO upfront fee for all plans. https://www.maybank2u.com.my/maybank2u/mala...ds/ezycash.pageIf you opt for 6 months repayment, the interest is 0%. Sharing for anyone interested. Yes, it was shared in July and the campaign is until 31st March 2026 31st Dec 2025.  Definitely one of the easiest and fuss-free applications.  Updated: Corrected date for EzyCash. BT is still until 31st March 2026. This post has been edited by fruitie: Aug 15 2025, 06:15 PM
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coolguy99
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Aug 15 2025, 11:34 AM
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QUOTE(LostAndFound @ Aug 14 2025, 09:29 PM) Yeah new-to-bank for RHB cards gets this one-time benefit. No strings, just pay in full on time and enjoy the interest-free loan. Thank you just got it as well
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joice11
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Aug 15 2025, 05:34 PM
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How to check back RHB online application for balance tranfer details? last month end i apply BT from RHB to 3 banks, but after i check only received fund for 2 banks.
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virtualgay
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Aug 15 2025, 05:42 PM
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QUOTE(wira1979 @ Aug 15 2025, 08:26 AM) Don't know if shared before, Maybank EzyCash/-i having promotion: ZERO upfront fee for all plans. https://www.maybank2u.com.my/maybank2u/mala...ds/ezycash.pageIf you opt for 6 months repayment, the interest is 0%. Sharing for anyone interested. I like 12 months - 6 months blink blink over
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fruitie
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Aug 15 2025, 05:47 PM
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Rise and Shine
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QUOTE(virtualgay @ Aug 15 2025, 05:42 PM) I like 12 months - 6 months blink blink over 12 months hardly available for cash installment.  RHB is for new users but usually only 6 months for cash.
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Gabriel03
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Aug 15 2025, 06:05 PM
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QUOTE(fruitie @ Aug 15 2025, 11:13 AM) Yes, it was shared in July and the campaign is until 31st March 2026.  Definitely one of the easiest and fuss-free applications.  Correction : MBB EzyCash 0% promo is until 31 Dec 2025 MBB BT 0% promo is until 31 Mar 26 This post has been edited by Gabriel03: Aug 15 2025, 06:54 PM
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fruitie
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Aug 15 2025, 06:13 PM
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Rise and Shine
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QUOTE(Gabriel03 @ Aug 15 2025, 06:05 PM) Correction : MBB EzyCash 0% promo is until 31 Dec 2025 MBB BT 0% promo is until 31 Mar 25 Thanks for the correction! I didn’t realize there are two dates which they usually don’t separate but this time they do.
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wongmunkeong
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Aug 15 2025, 08:20 PM
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Barista FIRE
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Just sharing on Maybank BT 1. Applied BT online via web 13/08/2025 - just received the funds today in other bank's CC accounts
2. Applied BT online via web 14/08/2025 before (1.) funds were received by other bank's CC accounts - weird, first time i received an SMS rejection but the credit amount usable is way more than the BT i tried.
I thought if different day's application will not face system issues but it looks like need to wait for clearance of earlier BT application first?
This post has been edited by wongmunkeong: Aug 15 2025, 08:35 PM
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kevyeoh
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Aug 16 2025, 05:44 PM
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gais...for the Affin Bank BT.... it says minimum, does it mean I must BT to one card minimum RM2k...or i can BT to a few cards as long as the total is 2k? Thanks!
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Lonelybird
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Aug 16 2025, 07:41 PM
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Getting Started

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Dear Sifus,
I noticed that my HLB having 0% BT offer.
Can i start another BT If i still have previous BT ongoing?
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Optizorb
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Aug 16 2025, 07:55 PM
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QUOTE(Lonelybird @ Aug 16 2025, 07:41 PM) Dear Sifus, I noticed that my HLB having 0% BT offer. Can i start another BT If i still have previous BT ongoing? yes you can
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lkwah86
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Aug 18 2025, 10:52 AM
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QUOTE(tweakity @ Jul 29 2025, 03:55 PM) Maybank Ezycash is 0% Interest for 6m. But still got "3.88% on approved amount"? did you apply? One-time upfront fee – 3.88% on the approved amount This post has been edited by lkwah86: Aug 18 2025, 10:54 AM
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MGM
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Aug 18 2025, 10:54 AM
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QUOTE(lkwah86 @ Aug 18 2025, 10:52 AM) did you apply? One-time upfront fee – 3.88% on the approved amount This "One-time upfront fee – 3.88% on the approved amount" is waived during current promo ending 31Dec2025.
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Lonelybird
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Aug 19 2025, 05:26 PM
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Getting Started

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 Dear sifu, I just done a balance transfer of RM2000 from HLB for 12 months. I'm confused how much is my monthly payment? RM2000 ÷ 12 = RM166.67 right? Because HLB never stated this amount on the approval message. This post has been edited by Lonelybird: Aug 19 2025, 05:28 PM
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jasontoh
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Aug 19 2025, 05:32 PM
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QUOTE(Lonelybird @ Aug 19 2025, 05:26 PM)  Dear sifu, I just done a balance transfer of RM2000 from HLB for 12 months. I'm confused how much is my monthly payment? RM2000 ÷ 12 = RM166.67 right? Because HLB never stated this amount on the approval message. 5% until last date, settle all
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Lonelybird
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Aug 19 2025, 05:36 PM
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Getting Started

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QUOTE(jasontoh @ Aug 19 2025, 05:32 PM) 5% until last date, settle all Sorry, i don't get this part. Every month pay 5% which is RM100 only? I can't pay 166.67 x 12 months?
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