Yepp aeon. Which is why I mentioned the aeon email address in my post to check if that's the best address to send to.

Just want to share my experience of BT using Aeon CC. Submitted my application through email on Tuesday, got a call on Wednesday and voila today the money has already been transferred to the other credit cards. Thumbs up for the efficient service!

Just too bad Aeon BT can only apply once every 6 months once you pay back the previous BT amount right?

Can other bank like MBB or PBB do 2nd BT or 3rd BT before the 1st BT is repaid provided the credit limit is still available?

not sure, but already 2 weeks from approved date...

1 month? now he/she is mentioned never get charged on the processing fee.
not the waiver 

approval date before 31dec
mine just approved today, fully max my CL 
if u apply today, doubt will be in time unless they work during weekend.

last friday, i checked pbe under unbill tranx posted, now waiting for fund

yes via email, have u check your pbe?

I'm first time on BT. Wanted to transfer balance to MBB card.

So appreciate advise.

If I have balance on CIMB CR card. How do I initiate BT in M2U?

Should I wait until my CIMB statement date or I can do anytime within this month?

Thanks

Anyone has experience with HSBC balance transfer?
Unker has balance of 1300 in the HSBC card, yet applied for another 2000 balance transfer into Maybank Amex.
So how much unker need to pay HSBC in the next statement to avoid interest charges?
Does 1300+ (2000x5%)= 1400  good?

My 1300 was made prior to the BT applied, so it will be charged 18% also once BT approved?

It's such a pity that HLB BT doesn't allow BT to AEON, it shows invalid no. when I tried to BT via Citibank.

Has anyone tried before? Looks like I gotta BT AEON to my MBB and outstanding of MBB will BT to HLB.

does anyone know of balance transfer which can do big amount e.g. 10k ?

i need to do BT RM10k , and must have 0% interest 0 fees.

No problem so far. Just need discipline like you mentioned.
That's why I cut down a lot of BTs even if they have 0%  I can now do for my AEON (already can do another new round), HLB and AmBank, I don't think I will be applying because I don't see a need to drag myself into another rounds of debt.

I do put into investment but I'm not a big whale so that little interest earned can't really justify for my case.

If no discipline to manage spending don't use BT and CC at all, will dig deeper hole for yourself.

One easy way for those who don't do too much tracking, just monitor one number (total BT amount) and make sure you have enough liquidity for that. Can leave in those savings accounts which generate higher interest (like M2u-savers-I or similar), just make sure that amount more than your outstanding BT amount.

If you think can't keep the full BT amount in savings, then you are probably getting yourself in trouble.

Those are not AKPK ppl, just "agent" trying to make $ saying they are AKPK and "can help us" reduce our monthly payments. I think some folks are selling our data - those with kaka load of credit card debts, like me - whenever i do a bunch of BT, sure get several calls from "AKPK agent" heheh, even though my CCRIS consist of zeroes.

BTW, same method with CELCOM, MAXIS, DIGI "agents" calling - not from the telco but are dealers.

I've not done PBB for a couple of years now. The last one I did had lots of queries and required me to write in with my BT application form and reasons etc... It was too troublesome and the bank did not seem to like it.

MBB I still do frequently and requires only a quick phonecall. In my experience I just explain it is overpayment but I never get asked further. Others have reported being questioned, but doesn't seem too bad. My personal view on this is that I will continue until the bank starts clamping down, discouraging, warning or treating transfers as exceptional. I will also always answer truthfully and provide full information whenever asked.

I’ve tried to withdraw from PBB, the CS questioned a lot and once she get to know I’m doing BT. She would only allow to withdraw this time and no more next time. Since then I never do it in PBB anymore.

I has a totally different experience with MBB, CS questioned and asked for BT receipt. Few days later the money is in, no issue so far.

I did both withdraw for MBB and PBB 6-12 months back, I’m not sure if those are still applicable now.

Thanks for your reply. Was leaning towards BT to PBB from Maybank since Maybank got 12 months, but Public seems hard from what you say
I have never done this before, really worry if after BT then Public doesn't agree to transfer to CASA