Ok thanks for the quick reply.

when you apply for BT, do you still pay your cc outstanding balance first? or you will just wait for the bank to transfer? have you experienced situation where the bank transfers AFTER the due date?

Depends when u apply

To play safe, make sure u have the cash to pay in case the bt money late. Most cases if u apply early, no issue

Dude, i have RM10k debts in maybank cc. I can write off it but for some reasons i wish to defer the payment for a year. Anyone who can recommend me what are the best bank to offer BT right now?

aeon credit

6 months

what do u mean u can "write it off" ?

This post has been edited by brotan: Apr 10 2016, 08:57 PM

Sorry for the confusion. I can pay it off. Ok i will look into it. Just now i called to Maybank call centre that call attendant asked me to consult AKPK instead... Was looking for soft loan....

ok, thanks for the reply

lol write it off and pay it off are totally different thing

akpk is your really last choice. if possible don't go to them unless no other way

if you can pay it off , why dont pay it? instead get another loan to cover which may lead to dig another hole

I am buying time... if i can drag it for few mths more my investment will mature and yield even more money.

yeah i know, sorry for the confusion of "write off vs pay off". Do you think this is the best solution for my case? BT transfer from Maybank to Aeon Credit? How high would be the successful rate?

first off, u need to get your aeon cc approved. i don't know if your credit situation will cause issues or not

if u can get the aeon card, then just bt. no brainer

if u can't get it , i don't know then

noted, will try and see whether is it feasible. if cannot then have to just pay off dy.

This post has been edited by JustForCheonging: Apr 10 2016, 11:33 PM

try apply a few cards like pbb bsn too

One of the TnC for Aeon balance transfer:-

For each Cardholder account, this Balance Transfer programme is available to Cardholders once every 6 months effective from the posting date of the Balance Transfer amount. Further Balance Transfer application will not be considered until expiry of 6 months after the last approved Balance Transfer amount is posted to Cardholder account.

Has anyone paid off their BT earlier (less than 6 mths) and apply for another BT before the expiry of 6 months and still get the BT approved?

I got another of my BT approved during my 4th repayment of the earlier BT.
You may try your luck 😊

i dont understand how you guys evaluate which one is the best BT. Help please.

is the info updated?

or shall i say is this thread updated?

need to take out calculator

This post has been edited by Petre: Apr 12 2016, 03:44 PM