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

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TongCN
post Dec 27 2018, 05:01 PM

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Saw authorised charges increase for my PBB account smile.gif
TongCN
post Dec 28 2018, 06:56 AM

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Self invite again and no problem lol..
TongCN
post Dec 31 2018, 01:00 PM

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QUOTE(beLIEve @ Dec 31 2018, 11:06 AM)
Not sifu, but if this is Public Bank, then max BT is 80% of your credit limit. So you have to looky see how much in the All Cards Balance belong to BT. So to answer your question, 80% x 50k = 40k you can BT.
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Actually mine exceed 80% already XD

However they still approved
TongCN
post Dec 31 2018, 02:20 PM

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QUOTE(beLIEve @ Dec 31 2018, 01:42 PM)
Yeah, I've read someone (maybe it was you) saying that he got it above 80%. Well, official figure is 80%. Anything more than that is bonus.
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As long as both side happy biggrin.gif
TongCN
post Feb 26 2019, 01:24 PM

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Didnt know CIMB offer 0% but 6 months

https://www.cimbbank.com.my/en/personal/pre...r-campaign.html

This post has been edited by TongCN: Feb 26 2019, 01:25 PM
TongCN
post Mar 14 2019, 04:41 PM

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QUOTE(driedfish @ Mar 14 2019, 01:17 PM)
why is public bank and maybank so quiet on 0% bt now? sad.gif no more
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They wan earn interest nowadays tongue.gif

And recently most of them offer cash advance =.=
TongCN
post Apr 26 2019, 02:05 PM

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QUOTE(ruben7389 @ Apr 26 2019, 01:05 PM)
You can actually do a BT from Maybank to CIMB lazada prepaid debit card and withdraw that from CIMB ATM. No fee for this card at all

So no need to apply for another credit card
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Wait what ? How O.o

Been long time no visit BT cause all my cards are installment slave puke.gif
TongCN
post Apr 26 2019, 02:34 PM

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QUOTE(ruben7389 @ Apr 26 2019, 02:26 PM)
Steps
1. Go to cimb website apply for their cimb lazada prepaid mastercard
2. Wait for card to be sent to u
3. Do BT from MBB as MBB only sees this card starts with 5 so they dont know its a debit card
4. Once funds in go to cimb ATM and withdraw the cash with no charge
Note - at anytime ur cimb debit card can only hold max 5k

Ive done it may times before when MBB had zero % BT. No issue at all. Only thing is can do max like 4.8 or 4.9k each time to keep it below the 5k cimb limit

Hope this helps
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Lol.. thanks for the step.

I still hold this card so this might be another option for me biggrin.gif
TongCN
post May 28 2019, 07:25 AM

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Currently the best lowest rate with interest BT belongs to?

Maybank 3% upfront fee 12months?
TongCN
post May 28 2019, 09:47 AM

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QUOTE(fruitie @ May 28 2019, 09:19 AM)
AEON, 0% for 6 months.
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QUOTE(psiloveu @ May 28 2019, 09:26 AM)
if u calculate effective interest rate, PBB 1% for 6 months is a good deal also.
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Currently i dun have AEON and as of now I will probably opt for longer period cry.gif

House just need extra appliance T___T

Checked MBB 24 months BT equal to 4.5% p.a. sigh ..
Kinda broke doh.gif
TongCN
post May 29 2019, 09:15 AM

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QUOTE(ClarenceT @ May 28 2019, 07:32 PM)
Secured loan is very much cheaper, eg you get a O/D or reschedule/reinstate your home loan or request for additional loan amount. Balance Transfer and Personal Loan are not good due to short repayment period and high interest rate.
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Just being informed by forumer that PBB can turn into 0% 12m flexi loan, so i go for that now biggrin.gif

Haha
TongCN
post Jul 17 2019, 04:05 PM

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QUOTE(GuN @ Jul 17 2019, 03:10 PM)
Which bank offering best rates for bt? Planning to apply for rm5k bt for 12 months
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How much budget u willing to pay tongue.gif

0% ~ ??
TongCN
post Jul 19 2019, 10:49 AM

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QUOTE(moiskyrie @ Jul 19 2019, 10:44 AM)
Want to ask, how to do bt?
Want to transfer balance from uob to Maybank...
And chop off my uob CC....
Thanks.
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https://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards
TongCN
post Aug 30 2019, 01:24 PM

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I received a call from Alliance bank for 6 months 0% balance transfer w/o documentations.

Just need another bank account and fill up a form, that's all.

She said it's for new joiner 1st month benefit and monthly payment (for first 5 months) can pay minimum payment 5% of total amount and wont charge interest.

6th month must pay full remaining.

Applied wednesday, today saw incoming money from them d rclxms.gif

This post has been edited by TongCN: Aug 30 2019, 01:24 PM
TongCN
post Nov 22 2019, 04:56 PM

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QUOTE(mucklampir @ Nov 22 2019, 02:18 PM)
I saw some offer:

1st 12 month - 0%
Subsequent 12 month - 0.375%/month

If i do $24k BT, how is the 0.375% being calculated?
Based on $24k, $12k or remaining debt?
Thanks
*
Should be based on remaining amount and charge by 0.375% per month.

But 0.375% per month equals to 4.5% annually, hmm ..

I might be wrong though hmm.gif
TongCN
post Feb 11 2020, 09:59 AM

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Just got my AEON CC and saw there is 0% BT for 6 months

https://www.aeoncredit.com.my/promotions-detail/13

But my CL for this card so low =.=
Only RM7k , woot !?

if i swiped RM2k already, left RM5k, the 80% applicable on 5k only ?
TongCN
post Feb 11 2020, 10:37 AM

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QUOTE(jeremykkt @ Feb 11 2020, 10:14 AM)
yes. me lagi die, 1st cc when i started working, 6k nia lol

yesterday did a BT only allowed 3.5k LOLLL
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Lol .. even if it's 2x of Salary = Credit limit also doesnt match sweat.gif

Dunno how they justify hmm.gif

Nvm, try apply BT first
TongCN
post Jun 19 2020, 11:02 AM

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QUOTE(ChiaW3n @ Jun 19 2020, 11:00 AM)
Just to update, received an sms and my BT was approved!

Normally how long for it to take to transfer the said amount to my another credit card?

And does it come with a separate number to pay for the BT instalment?
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I remembered quite fast.

And it will fall under your credit card
TongCN
post Jun 26 2020, 04:51 PM

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QUOTE(Sumofwhich @ Jun 26 2020, 01:23 PM)
Will Ocbc credit the overpaid amount to savings account? Thanks
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Yes, they can, just give them a call tell them reason smile.gif
TongCN
post Jul 27 2020, 02:48 PM

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QUOTE(sl3ge @ Jul 27 2020, 02:44 PM)
Hi may i ask regarding aeon bt example if my quota is 5000,

Bank A Bill RM2401.5, 

Bank B Bill RM1505

Bank C Bill RM1400

can i fill in aeon bt form like 2400(Bank A)+1500 (B)+ 1100=5000 ?

Thanks
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Yes. Do note that if your credit limit is 5000 then your BT will be 80% of it
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