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

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chiahau
post Apr 10 2017, 04:40 PM

Fatthau StalKer
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From: Malaysia


QUOTE(fruitie @ Apr 10 2017, 04:33 PM)
Just apply via M2U, easy peasy or just email. thumbup.gif
M2U has upfront 3% interest which will be waived within 30 days while via email will auto waive the 3% upfront fees. biggrin.gif
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I used email last 2 weeks.

3 days kaw Tiam, 4th day funds transferred.
chiahau
post Apr 10 2017, 04:50 PM

Fatthau StalKer
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From: Malaysia


QUOTE(Ricky300 @ Apr 10 2017, 04:42 PM)
not interested if got upfront fees
can waive? wow i didn't know...just email?
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Email with statement no upfront fees lor....
chiahau
post Apr 10 2017, 07:54 PM

Fatthau StalKer
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From: Malaysia


QUOTE(kanethesun @ Apr 10 2017, 07:28 PM)
anyone tried apply with M2U?
I keep on getting 0060 code also hmmm
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M2U gone wonky this couple of days.

Just use the email option.

This post has been edited by chiahau: Apr 10 2017, 07:54 PM
chiahau
post Apr 12 2017, 09:34 AM

Fatthau StalKer
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QUOTE(nasiayam @ Apr 12 2017, 09:13 AM)
i had few rejected Maybank BT application previously, last month i cleared my ptptn loan, applied at m2u yesterday around 2pm, 6pm+ received sms it was approved lol

guess they do look at ccris
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If you have outstanding or late payment before, they will also reject.

Ptptn should not be a problem. I used to have outstanding ptptn but they approve it as well.
chiahau
post Apr 12 2017, 10:05 AM

Fatthau StalKer
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QUOTE(fruitie @ Apr 12 2017, 09:57 AM)
I have a running PTPTN loan to pay every month and they have approved my 3rd BT, never got rejected by them.
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I remembered you said you made irregular payments too right?

So yeah, dun think MBB cares about ccris.

BSN is the only one that really look into ccris
chiahau
post Apr 12 2017, 10:44 AM

Fatthau StalKer
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From: Malaysia


QUOTE(fruitie @ Apr 12 2017, 10:35 AM)
That was 6 months ago, now I have prepaid of more than a year monthly repayment. smile.gif
I'm not sure how my CCRIS looks like now.
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Sure look beautiful d.

Last time I prepaid, all become "0" the next month.
chiahau
post Apr 17 2017, 02:26 PM

Fatthau StalKer
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From: Malaysia


QUOTE(fruitie @ Apr 17 2017, 02:15 PM)
My balance transfer from Citibank corporate credit card to AEON bank has been rejected. doh.gif This is due to commercial card though the statement has my name but it is showing my company's name too. sweat.gif

Oh well, Maybank to this Citibank has no issue. Oh well. I will need to pay for the bill when it is due on 20th April. tongue.gif
*
Can't BT to corporate card?
chiahau
post Apr 17 2017, 07:16 PM

Fatthau StalKer
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QUOTE(fruitie @ Apr 17 2017, 06:24 PM)
Within 4 hours got approval from Maybank for my BT, it is successful. biggrin.gif
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It's really worth to keep your Maybank Limit high as their Bt is really fast and efficient sometimes.

I don't even know the funds have been transferred to my Citibank until I checked my account this morning laugh.gif
chiahau
post Apr 19 2017, 01:32 PM

Fatthau StalKer
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From: Malaysia


QUOTE(christie_ang @ Apr 19 2017, 01:20 PM)
Hi,

May I know you apply for which plan? I got rejected twice as well. Then i reapply through email. Someone call me 1 day later telling me that email only can process other plan than the 0% interest and 3%waive plan.
And for the 0% plan, he said only can apply through M2U or walk in to nearest branch!  :confused:
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You send to which email?

I done it twice already and both application approved within 3 days

12 months 0%
chiahau
post Apr 19 2017, 01:53 PM

Fatthau StalKer
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QUOTE(christie_ang @ Apr 19 2017, 01:38 PM)
I sent to this email: mbbcardservices@maybank.com.my

Same as yours?
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I think you need to give that officer a slap as the promotion pages clearly indicate you can email in.

Pls Facebook them and ask for a callback.


chiahau
post Apr 20 2017, 11:24 AM

Fatthau StalKer
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Joined: Aug 2009
From: Malaysia


QUOTE(christie_ang @ Apr 20 2017, 09:32 AM)
Hi, i found the issue. The one who call me was the agent help me to do BT on last promo. Late evening yesterday I got SMS said it's approved and this morning i check my maybank balance transfer that can do already reduce.

By the way, any way to increase credit limit? i only got 12k limit, very hard....  rolleyes.gif
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Put FD. If your income not sufficient.
chiahau
post Apr 20 2017, 12:38 PM

Fatthau StalKer
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From: Malaysia


QUOTE(WhitE LighteR @ Apr 20 2017, 12:28 PM)
u sent sms without getting the sms offer? can ka? i dont know, i nvr try this.
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Send to those numbers like 66038 or something. But I think they have ways to filter out if you're not invited by the bank for the promotion.
chiahau
post Apr 20 2017, 02:28 PM

Fatthau StalKer
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QUOTE(powerbarr @ Apr 20 2017, 01:54 PM)
any BT special offer by cimb or maybank?
*
12 months 0% by maybank so far.

Cimb I dun think got promo.
chiahau
post Apr 28 2017, 10:07 AM

Fatthau StalKer
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QUOTE(cyberkoh88 @ Apr 28 2017, 10:02 AM)
hi bro, please keep us update. if after 2 May 2017, yours still not yet refund, means all balance transfer after 2 April will not get the waiver. if this is the case, then maybank also wrong bcoz not notify public on this waiver fully utilise on their website
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I applied on April 10th via email.

No 3% charged.

So for those in 2nd April no need worry.
chiahau
post Apr 28 2017, 04:15 PM

Fatthau StalKer
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From: Malaysia


QUOTE(gastacopz @ Apr 28 2017, 11:20 AM)
Email application wont be any charges for this BT promotion
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Of course.

But I did put a remark in my email saying if the funds are depleted, do not proceed with the BT as I don't want to pay 3% fee.
chiahau
post May 1 2017, 05:07 PM

Fatthau StalKer
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Which banks allows overpayment to transfer to CASA?

HLB i remember can't already, anyone tried with UOB or RHB?
chiahau
post May 2 2017, 10:55 AM

Fatthau StalKer
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So far can summarise -

MBB - Below 10k no problem.
HLB - Only can return back to source of the money ( I saw this reply before )
PBB - Reluctant to allow transfer to CASA.

Any other banks to add in?
chiahau
post May 2 2017, 01:33 PM

Fatthau StalKer
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From: Malaysia


QUOTE(sendohz @ May 2 2017, 11:12 AM)
CIMB - Only can return back to source of the money, charges RM2 + GST
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Okay thank you.

Anyone else? We still missing UOB, SC, RHB, AmBank, Affin, Bank Islam laugh.gif

To recap -

MBB - Below 10k.
HLB - Return to source of money ( No charges )
PBB - Reluctant to allow.
CIMB - Return to source of money ( 2 ringgit + GST)

If return to source of money, meaning they will send back the money to MBB credit card and you can request cash out to your CASA?
chiahau
post May 2 2017, 03:36 PM

Fatthau StalKer
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From: Malaysia


QUOTE(sendohz @ May 2 2017, 02:24 PM)
Yes. Back to the CC account.
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Can request cash out right? biggrin.gif
chiahau
post May 2 2017, 06:17 PM

Fatthau StalKer
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QUOTE(celaw @ May 2 2017, 03:54 PM)
For MBB, I had tested RM18k, so far no problem..
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It's safe to assume maybank is lenient.



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