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

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Gabriel03
post Oct 24 2025, 05:22 PM

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QUOTE(TongCN @ Oct 2 2025, 05:09 PM)
Didn't expect this MBB BT so fast O.o

Applied last night 7pm +
Today received SMS
Today can see my other bank there already appear transaction

Not even 24 hours.
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Unfortunately, MBB didn't maintain the same consistency.

Applied Wed 22nd Oct 8.45 a.m.
Received approval sms Friday 24th Oct 10.57 a.m.
Hoping to get the money in the other bank, late night today.
jasontoh
post Oct 26 2025, 05:41 PM

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Anyone knows how Public Bank calculate the BT limit? I've noticed my limit - balance installment, I would still have way more limit than the BT limit allowed in the system.
air_mood
post Oct 31 2025, 10:28 AM

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Does anyone know if 0% BT 6 months is still on for Aeon CC?
sms2u
post Oct 31 2025, 12:36 PM

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QUOTE(air_mood @ Oct 31 2025, 10:28 AM)
Does anyone know if 0% BT 6 months is still on for Aeon CC?
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no more
Jason
post Nov 1 2025, 12:58 PM

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QUOTE(sms2u @ Oct 31 2025, 12:36 PM)
no more
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It’s been 2 or 3 years now? AEON no longer offers 0% BT.

Gonna cancel my AEON.
ichigo kawasaki
post Nov 2 2025, 01:12 PM

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Long time no more 1 year 0% BT to any bank acc saving of your choice.
Last time was offer by Hlg after covid.


paogeh
post Nov 2 2025, 05:02 PM

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questions.

the aFFIN BT till 31Dec promo


if today i did RM6K BT.

then, next month ---do another RM6K BT------> this 0% promo still apply ?

i,m running out of CC to do BT ....

thank you .




Gabriel03
post Nov 2 2025, 06:27 PM

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QUOTE(paogeh @ Nov 2 2025, 05:02 PM)
questions.

the aFFIN  BT till 31Dec promo
if today i did RM6K BT.

then, next month ---do another RM6K BT------> this 0% promo still apply ?

i,m running out of CC to do BT ....

thank you .
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You can apply multiple times for affin BT at 0%
TongCN
post Nov 4 2025, 10:59 AM

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Anyone recently apply UOB BT with interest / 0% interest ?

Any code with latest rate / 0% rate ?
Gabriel03
post Nov 4 2025, 11:03 AM

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QUOTE(TongCN @ Nov 4 2025, 10:59 AM)
Anyone recently apply UOB BT with interest / 0% interest ?

Any code with latest rate / 0% rate ?
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Someone shared the promo code for 0% BT for UOB last month. It didn't work for those who didn't receive the promo code directly UOB. Nowadays, UOB verify that we qualify for the promo before granting the BT. If we are not qualified, they will call and try to get us to get a BT at a special rate which is higher than 0%.

This post has been edited by Gabriel03: Nov 4 2025, 11:03 AM
TongCN
post Nov 4 2025, 01:41 PM

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QUOTE(Gabriel03 @ Nov 4 2025, 11:03 AM)
Someone shared the promo code for 0% BT for UOB last month. It didn't work for those who didn't receive the promo code directly UOB. Nowadays, UOB verify that we qualify for the promo before granting the BT. If we are not qualified, they will call and try to get us to get a BT at a special rate which is higher than 0%.
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Tried apply an expired code first under my SMS (31 Oct 2025) since no new SMS coming in, wait them call and see.

Just applied MBB BT 0% on 1:30pm

1:40pm immediately approval SMS comes in, that's fast
Hopefully like last time next day received.
xiaomoon
post Nov 4 2025, 01:49 PM

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QUOTE(TongCN @ Nov 4 2025, 01:41 PM)
Tried apply an expired code first under my SMS (31 Oct 2025) since no new SMS coming in, wait them call and see.

Just applied MBB BT 0% on 1:30pm

1:40pm immediately approval SMS comes in, that's fast
Hopefully like last time next day received.
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can pm the code?
TongCN
post Nov 4 2025, 02:45 PM

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QUOTE(xiaomoon @ Nov 4 2025, 01:49 PM)
can pm the code?
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The UOB comes with interest charge oh, if you wan can try : UOB65 [actual range to test UOB61 ~ UOB 70]

Doubt can success but will see how they offer when called.
xiaomoon
post Nov 4 2025, 02:52 PM

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QUOTE(TongCN @ Nov 4 2025, 02:45 PM)
The UOB comes with interest charge oh, if you wan can try : UOB65 [actual range to test UOB61 ~ UOB 70]

Doubt can success but will see how they offer when called.
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i thought 0% lol

Gabriel03
post Nov 4 2025, 03:01 PM

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QUOTE(TongCN @ Nov 4 2025, 01:41 PM)
Tried apply an expired code first under my SMS (31 Oct 2025) since no new SMS coming in, wait them call and see.

Just applied MBB BT 0% on 1:30pm

1:40pm immediately approval SMS comes in, that's fast
Hopefully like last time next day received.
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Interesting. Seems like MBB treat different customers differently.
You have reported twice that MBB sent approval SMS within hours of the application.

Two weeks ago, MBB took T+2 to send me the BT approval message.
Like you, I applied MBB BT 0% today at 8.46 a.m. Still haven't received any SMS. Probably will be approved two days later.
TongCN
post Nov 4 2025, 03:23 PM

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QUOTE(xiaomoon @ Nov 4 2025, 02:52 PM)
i thought 0% lol
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Trial and error on the UOB BT page and no see 0% anymore sad.gif


QUOTE(Gabriel03 @ Nov 4 2025, 03:01 PM)
Interesting. Seems like MBB treat different customers differently.
You have reported twice that MBB sent approval SMS within hours of the application.

Two weeks ago, MBB took T+2 to send me the BT approval message.
Like you, I applied MBB BT 0% today at 8.46 a.m. Still haven't received any SMS. Probably will be approved two days later.
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Woot O.o ?

My limit almost burst (max : Rm15k) also, lolz ...
Gabriel03
post Nov 4 2025, 03:26 PM

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QUOTE(TongCN @ Nov 4 2025, 03:23 PM)
Trial and error on the UOB BT page and no see 0% anymore sad.gif
Woot O.o ?

My limit almost burst (max : Rm15k) also, lolz ...
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You mean that your CL is 15k?
Mine is 35k. Already maxed out. Only apply for BT after paying the statement bill in full.
TongCN
post Nov 4 2025, 03:31 PM

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QUOTE(Gabriel03 @ Nov 4 2025, 03:26 PM)
You mean that your CL is 15k?
Mine is 35k. Already maxed out. Only apply for BT after paying the statement bill in full.
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Yea, MBB CL since 20 years ago till now 15k (applied increase between and always fail)

Only have Shopee CC now with them.
Human Nature
post Nov 4 2025, 08:34 PM

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Anyone requested for HLB to transfer payment received at HLB cc to HLB BT account recently? Do they still entertain the request?
TongCN
post Nov 5 2025, 10:18 AM

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QUOTE(Human Nature @ Nov 4 2025, 08:34 PM)
Anyone requested for HLB to transfer payment received at HLB cc to HLB BT account recently? Do they still entertain the request?
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Does HLB still offer 0% BT 12 months ?
Haven't checked recently cause not enough limit until settlement done in 23 December 2025 for last year application

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