Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Balance Transfer (BT) Plans V4 - Banks Offer List, Credit card debt consolidation
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 Oct 13 2025, 05:06 PM
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Senior Member
4,222 posts Joined: Apr 2007  
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QUOTE(adbacc @ Sep 12 2025, 05:39 PM) Next month still 5% outstanding (min 50) Does it mean during the 12 months, can pay more than the minimum 5% and settle the balance on the last day (due date)? How about spread out evenly every month? Eg. 2000/12 = 166.67/mth Why is their mechanism so weird?  |
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Oct 13 2025, 05:59 PM
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All Stars
65,307 posts Joined: Jan 2003
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QUOTE(Chyan @ Oct 13 2025, 05:06 PM) Does it mean during the 12 months, can pay more than the minimum 5% and settle the balance on the last day (due date)? nothing weird, just a different mechanism (and possibly a trap on due date if you cannot repay full balance).How about spread out evenly every month? Eg. 2000/12 = 166.67/mth Why is their mechanism so weird? yes, you can continue to manually spread evenly every month cuz it will always be > min 5%/RM50 required. each type has its pros & cons This post has been edited by cybpsych: Oct 13 2025, 06:01 PM Chyan liked this post
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Oct 14 2025, 10:10 AM
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Senior Member
4,222 posts Joined: Apr 2007
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QUOTE(cybpsych @ Oct 13 2025, 05:59 PM) nothing weird, just a different mechanism (and possibly a trap on due date if you cannot repay full balance). Sneaky fellas. Got it. yes, you can continue to manually spread evenly every month cuz it will always be > min 5%/RM50 required. each type has its pros & cons  |
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Oct 14 2025, 10:19 AM
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All Stars
65,307 posts Joined: Jan 2003
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QUOTE(Chyan @ Oct 14 2025, 10:10 AM) Sneaky fellas. Got it. if managed properly, it can help your cashflow for few months before hitting the balance lumpsum at the end (once you got $$ to repay in full).  |
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Oct 14 2025, 04:28 PM
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Junior Member
502 posts Joined: Dec 2008
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QUOTE(Chyan @ Oct 14 2025, 10:10 AM) Sneaky fellas. Got it. Or roll with another round of BT for 6/12 months with another bank... 🤠|
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Oct 14 2025, 04:54 PM
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Senior Member
6,655 posts Joined: Aug 2008 From: Malaysia  
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QUOTE(tropik @ Oct 14 2025, 04:28 PM) Or roll with another round of BT for 6/12 months with another bank... 🤠Then become snow ball effect Roll > Roll > Roll |
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Oct 14 2025, 09:28 PM
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Senior Member
3,273 posts Joined: Apr 2008
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QUOTE(TongCN @ Oct 14 2025, 04:54 PM) Then become snow ball effect Yeah... I roll till avalanche Roll > Roll > Roll |
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Oct 15 2025, 06:52 AM
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Senior Member
7,351 posts Joined: Aug 2015
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QUOTE(Chyan @ Oct 13 2025, 05:06 PM) Does it mean during the 12 months, can pay more than the minimum 5% and settle the balance on the last day (due date)? Good if you manage your cash properly. Else when it comes to the end of the BT you would not be able to pay the lump sum. And bam bank laughing all the way to the bank.How about spread out evenly every month? Eg. 2000/12 = 166.67/mth Why is their mechanism so weird? |
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Oct 15 2025, 03:21 PM
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Senior Member
4,222 posts Joined: Apr 2007
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QUOTE(tropik @ Oct 14 2025, 04:28 PM) Or roll with another round of BT for 6/12 months with another bank... 🤠 QUOTE(coolguy99 @ Oct 15 2025, 06:52 AM) Good if you manage your cash properly. Else when it comes to the end of the BT you would not be able to pay the lump sum. And bam bank laughing all the way to the bank. Nuff said. Spread over as usual. HLB can fly kite!  |
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Oct 15 2025, 05:27 PM
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Junior Member
24 posts Joined: Oct 2025
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Does it make sense to keep taking BT back and forth?
For example - I signed a big ticket item with PBB then BT to HLB since they had the 0% offer. Then I signed another big ticket item with HLB - and now PBB offering me 0% BT as well so thought to do so. |
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Oct 15 2025, 05:30 PM
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Staff
72,815 posts Joined: Sep 2005 From: KUL 
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QUOTE(bombacat @ Oct 15 2025, 05:27 PM) Does it make sense to keep taking BT back and forth? So long you don't spend the money and have enough to pay back, yes can go merry-go-round.For example - I signed a big ticket item with PBB then BT to HLB since they had the 0% offer. Then I signed another big ticket item with HLB - and now PBB offering me 0% BT as well so thought to do so. |
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Oct 15 2025, 05:31 PM
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Junior Member
24 posts Joined: Oct 2025
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QUOTE(fruitie @ Oct 15 2025, 05:30 PM) So long you don't spend the money and have enough to pay back, yes can go merry-go-round. Ya got, so was just thinking should I just pay the lump sum rather than monthly tracking. Okay thanks, will go take the BT |
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Oct 16 2025, 02:05 PM
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Senior Member
6,655 posts Joined: Aug 2008 From: Malaysia
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QUOTE(bombacat @ Oct 15 2025, 05:31 PM) Ya got, so was just thinking should I just pay the lump sum rather than monthly tracking. Asal you know how to properly form a circle Okay thanks, will go take the BT * perfectly balance |
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Oct 17 2025, 11:43 AM
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Senior Member
2,750 posts Joined: Dec 2004 From: Malaysia
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Don't get tempted to spend more when you look at high balance in bank account, because those are borrowed money from credit card.
And only take bt if you foresee you do not have any plan in short term to get loan or apply new cc because these might have implication on your credit score. |
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Oct 18 2025, 05:22 PM
Show posts by this member only | IPv6 | Post
#13455
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Newbie
11 posts Joined: Jan 2011
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QUOTE(Ethan @ Oct 10 2025, 01:43 PM) UOB is annoying indeed. which means no longer working using the code share out. lol I didn't get the promotional SMS this month, but I went on to apply for the 0% BT anyway (with the code BT52), and they called yesterday telling me I am not entitled to the promo..... instead offered me BT at 3.99% p.a.  I told them the same thing. If there's no 0%, no need to call... which, of course they will ignore anyway.  last time use to just try with code and went thru.  lovelyuser liked this post
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Oct 20 2025, 01:08 PM
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Senior Member
6,354 posts Joined: Jan 2003
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UOB seems very selective with their 0% BT. I guess they know who are the frequent flyers who will pay back in full and no chance to make money.
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Oct 21 2025, 02:58 PM
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Senior Member
3,333 posts Joined: Mar 2011
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Guys, quick question, maybank ezycash 0% dah habis promo?
last time i checked it was suppose to be valid till 31 Dec 2025, now their page show no more promo |
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Oct 21 2025, 03:01 PM
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Staff
72,815 posts Joined: Sep 2005 From: KUL
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QUOTE(Glcotan @ Oct 21 2025, 02:58 PM) Guys, quick question, maybank ezycash 0% dah habis promo? I still can apply via M2U web since I'm on laptop now.last time i checked it was suppose to be valid till 31 Dec 2025, now their page show no more promo |
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Oct 21 2025, 03:27 PM
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Senior Member
3,333 posts Joined: Mar 2011
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QUOTE(fruitie @ Oct 21 2025, 03:01 PM) I still can apply via M2U web since I'm on laptop now. It's available, but no more zero processing fee for 6 months right? |
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Oct 21 2025, 03:35 PM
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Staff
72,815 posts Joined: Sep 2005 From: KUL
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QUOTE(Glcotan @ Oct 21 2025, 03:27 PM) It's available, but no more zero processing fee for 6 months right? There is. It is still showing on the "Notes" on the application page. Glcotan liked this post
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