Thanks for letter us know.  So I guess the money is now stuck in credit card and can only be treated as 'advance payment' ...

last time hlb ok to transfer to any casa.
u go open hlb casa, see can transfer to hlb casa or not...

wow what a 
if yours is wise card, then monthly 2k spending should be fine...

thanks for the heads up...

can you just threaten to cancel the card outright and demand that they return the money to you?

FWIW, UOB asked me politely not to overpay the last time I attempted to transfer out my negative balance (I have done this like 3 times already). Not sure if they will attempt to block me in the future, in which case I am prepared to cancel my card immediately.

Hello All,

Need some advice from sifus here.

I still have an outstanding of RM15000 for SC credit card (paying more than minimum payment, probably will take a year to finish off).

And i need around 35K to finish out my house reno (cant drag further as wasting too much money on house rents).

So , Questions :

a) is it wise to take a personal loan of 50K from a bank and pay off the credit card balance and use the balance of 35K on house reno? If yes, is it doable?

b) Or just take 35K personal loan, service it monthly and continue paying credit card as normal

Any comments, ideas would be much appreciated.

Many thanks

aeon balance transfer now round rm1...

i told them,last time was round rm10, now had change...

statement 3636.23
for eg
last time can round to 3640

now is 3637

you checkc back mbb website. capping 7.2million bt amount for 3% waived.
if your nex month statement did not rebate back the 3% amount. which mean you get charge for 3% processing fee.

I got a call frm HLB today offering 0% for 6 months BT. Anyone got a same call? I still think MBB offer is better for BT 0% for 12 months

Got messed up once in Feb 2017 when I BT from UOB while haveing 2 UOB cards with balance. According to the CS, they will pay off the minimum balance in each card then only settle the remaining amount in the CC that you want to pay.

E.g. you have UOB CC 1 with balance RM500 and UOB CC 2 with balance RM800. When you do BT RM800 into UOB CC 2, UOB will take RM50 and pay off the minimum balance in UOB CC 1, then the balance of RM750 to UOB CC 2. So your balance unpaid for UOB CC 1 and UOB CC 2 is RM450 and RM750 each.

I saw from another post that you can make a 1 short payment to one of the UOB CC, then call CS to transfer the overpayment of that one UOB CC to another UOB CC. Have not tried that but I think it should be able to work that way.

same here. it says 0% BT and no upfront fee.

Same here. Did you guys try apply?
The thing is, my HLB card is an old card used for Big bad wolf to get 5% only. With very low limit.
Lol

Haha. Well hope you're getting good returns on your BT, and also being careful to meet all payment deadlines!

My BT instalments are now 2x my monthly salary largely because I do the revolving BT strategy i.e. Using BT to pay BT, so it's not "real" expenditure, but just extending the repayment.  Currently 4 PBB BTs, 4 MBB BTs, 1 Aeon and 1 HSBC. As a precaution I make sure my FDs can fully cover my outstanding BT. I keep detailed spreadsheets for both to ensure no overspending and no late payments.

Nothing complicated. For example, if I have 60k BTs with AEON and PBB, I have to pay 10k per month each (total 20k).

So I apply for MBB BT for 24k (to include my other expenses), and this clears one month instalment on PBB and Aeon.

But now my MBB will have 2K per month. Because of timing issues, I will apply for another MBB BT to cover the next month PBB and Aeon.. So send up with 4k per month to pay to MBB.

And I will then apply PBB to clear MBB.

It's complicated to explain, but the gist is that I will keep trying to time my BT applications to clear each other so I don't need to pay the instalments so quickly. Can only do for MBB and PBB as Aeon is restricted to once every 6 months.

This also works for individuals who have big spendings every month too

Did UOB 6 mth 0% BT end of last month and received statement yesterday. But the statement didn't state the monthly installment, instead it shows minimum amount close to the full BT amount. Any clue please?

Thanks.

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