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

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cybpsych
post Sep 15 2016, 02:56 PM

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QUOTE(lilsunflower @ Sep 15 2016, 02:53 PM)
*sigh*

They replied me saying sorry sorry sorry, they will now forward my application for processing.

When I applied this morning, I was assigned a case number. 6 hours later, I've been assigned a new case number which is 168 numbers higher. I hope that doesn't mean that 168 people applied for BT between those times, and now I've been bumped to the back. Grrrr...
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aiya no worries lah. their TT number is just running numbers of requests going to them, not just purely for BT mah.
cybpsych
post Sep 19 2016, 10:41 AM

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QUOTE(joylay83 @ Sep 17 2016, 02:23 PM)
surprisingly, my mbb approved without needing statement. yesterday received email approved. today received sms saying that money will b transferred in a few days.

however, wifey punya not approved. dunno what's the reason. maybe quota up lol  cry.gif
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QUOTE(lilsunflower @ Sep 19 2016, 10:10 AM)
Has anyone received positive confirmation on the recent MBB 0% BT Promo launched on 15 September? I know that quite a few people applied (either through e-mail or maybank2u), but wondering if anyone's has been processed so far.

I called regarding mine, and still not in the system. Reading through previous posts in this thread as well as the MBB CC threads, I realise that some applications get "misplaced", while some applications are super quick!
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mine no status either.

but joylay83 said his application already approved on Sep 16. not sure which BT promo, 0% or 1%.
cybpsych
post Sep 19 2016, 11:55 AM

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QUOTE(vseries @ Sep 19 2016, 11:51 AM)
Hi cybpsych, may I know where do you find this?

vi. The fee allocated for the waiver is only up to RM3.6M for 6 months campaign duration. The campaign will be automatically stop upon fund has fully depleted.

I can't find in T&C and FAQ. Are you working in Maybank?
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everything fround from m2u website and stated in T&Cs:

user posted image
cybpsych
post Sep 19 2016, 12:20 PM

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QUOTE(kyenli @ Sep 19 2016, 12:19 PM)
weird. I'm getting the following message;
You do not have any record in this list.
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your cards are scheduled for replacement, hence cant do it.

same with my cards too.


only way to apply via email.
cybpsych
post Sep 19 2016, 06:06 PM

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yes! finally!

// RM0.00 MBB:We are pleased to inform that your request for Balance Transfer appl is approved.Thank You //
cybpsych
post Sep 20 2016, 09:06 AM

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QUOTE(preducer @ Sep 20 2016, 08:33 AM)
Did anyone noticed under the card issuer listing, there is no Aeon? I'm referring to Maybank2u online application.
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perhaps due to Aeon is not a bank, but just a financial institution (FI).

QUOTE(ClessRV @ Sep 20 2016, 08:57 AM)
No, is it more worth? Haven't seen their promo yet.
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got. 6-month 0%, min RM6k. no statement required.

read here https://www.pbebank.com/Personal-Banking/Pr...ansfer-XVI.aspx

QUOTE(shortleg88 @ Sep 20 2016, 09:02 AM)
Do Maybank require credit card statement? If yes, can I show outstanding instead by print screen the outstanding page?
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you can, actually.

screenshot the summary page, showing current outstanding/balance.

ensure your cc number (or last 4 digit) and name is visible in your screenshot.

I even capture the URL address bar, just to prove the page is from legit site sweat.gif


for me, i'm currently trying to BT current statement (due in few more days! sweat.gif) + this month's unbilled outstanding. so far SMS told me approved. yet to 'see' the fund transferred.

This post has been edited by cybpsych: Sep 20 2016, 09:08 AM
cybpsych
post Sep 20 2016, 09:29 AM

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QUOTE(shortleg88 @ Sep 20 2016, 09:25 AM)
Which mean need la? I thought if don't need i can just put a higher amount to be BT-ed. Sorry another question, can Maybank BT transfer to AEON since someone mention Aeon is not a bank
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your question was about credit card statement. then you wrote " can I show outstanding instead by print screen the outstanding page?"

so, i replied it's possible by just screenshot the outstanding page lor.


now you u-turn your question saying dont want to give pulak. doh.gif



read again about the Aeon. he posted Aeon not available from M2U Online BT application page.

if you want to BT to Aeon, fill in form and submit via email lor.
cybpsych
post Sep 20 2016, 09:39 AM

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QUOTE(gastacopz @ Sep 20 2016, 09:31 AM)
Owh..can bt unbilled also?thought statement amount only..wasted...still, can we do another bt later on after this one approved?
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of course can keep BT-ing until reaches 80% (not sure what's the limit for MBB, but i target it as 80%) of available credit limit of your mbb card.

QUOTE(shortleg88 @ Sep 20 2016, 09:34 AM)
I mention IF YES, can I show outstanding as I know some banks do not require statement. Not sure Maybank is so

Best option : Without statement, just fill up the amount I want (most BT amount transferred)
2nd option : Show outstanding balance (more)
Last option : Show statement amount (less)
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i'm doing option 2 cuz i got large purchases (unbilled) after this month's statement (billed). so, i combined both amount, and requested from MBB.
cybpsych
post Sep 20 2016, 10:22 AM

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QUOTE(cybpsych @ Sep 19 2016, 06:06 PM)
yes! finally!

// RM0.00 MBB:We are pleased to inform that your request for Balance Transfer appl is approved.Thank You //
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// RM0.00 Maybankard:Your approved BT amount has been transferred to your UOVBMYKL bank. Thank you. ///
cybpsych
post Sep 20 2016, 01:47 PM

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QUOTE(sendohz @ Sep 20 2016, 01:40 PM)
How come i can't apply BT through m2u.
My screen shown as below:
Step 1 of 3
Select your Maybank Credit Card for Balance Transfer

You do not have any record in this list.
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did you notice your cards are pending for new card activations?
cybpsych
post Sep 20 2016, 02:08 PM

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QUOTE(sendohz @ Sep 20 2016, 01:54 PM)
Yes, awaiting Pin and pay cards right?
That means i cannot apply thorugh m2u until all my cards are activated?
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yup, it's annoying cuz few months dy. i wasnt bothered until mbb's 0% bt promo came out last week vmad.gif some applied bt via m2u gotten approved almost immediately biggrin.gif

QUOTE(MGM @ Sep 20 2016, 01:59 PM)
Bro, U actually submit a screenshot of the outstanding balance of UOVBMYKL for MBB BT application and was accepted? No statement needed?
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yah, just screenshot from uob internet banking. i screenshot cc summary page. i circled Current Balance (billed + unbilled) + Authorised Balance (not yet posted).

QUOTE(zaFrOoNaLdO @ Sep 20 2016, 02:00 PM)
same with me! yes, i have the 'pending new card activation' thing. is that the reason why?

anyway, @sendohz, u can still apply via email.
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yah, somehow it affects the m2u functionality. kinda annoying.

QUOTE(zaFrOoNaLdO @ Sep 20 2016, 02:01 PM)
i've called MBB earlier, they said fill up the form, then send screenshot from ur online bank website. thats all.

they can do BT based on outstanding balance.
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thumbup.gif thanks for the info! if strictly based on billed statement, not much to BT. but if combined with unbilled outstanding, kinda worth the try to BT out.
cybpsych
post Sep 21 2016, 07:17 AM

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QUOTE(cybpsych @ Sep 20 2016, 10:22 AM)
QUOTE(cybpsych @ Sep 19 2016, 06:06 PM)
yes! finally!

// RM0.00 MBB:We are pleased to inform that your request for Balance Transfer appl is approved.Thank You //
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// RM0.00 Maybankard:Your approved BT amount has been transferred to your UOVBMYKL bank. Thank you. ///
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awesome, fund already transferred to UOB VOX account, dated 20 Sep.


QUOTE(lilsunflower @ Sep 20 2016, 04:43 PM)
Update on my experience with MBB 0% BT:

1. Applied 15/9 morning via e-mail
2. Received SMS approval 19/9 @ 6.02pm
3. Received SMS that amounts have been transferred 20/9 @ 10.20am
4. PBB online shows funds marked as received on 20/9 @ 4.00pm

So far, no BT charges or amounts shown on Maybank2u.
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is it suppose to show as unbilled transaction? i guess you did for mbb 1% previously, can share if it appears in m2u history immediately once bt approved/fund transferred?

from my experience on 2015's mbb 0% bt promo, the bt amount and fees only appears on bill date. it wont appear as unbilled amount.


This post has been edited by cybpsych: Sep 21 2016, 07:35 AM
cybpsych
post Sep 21 2016, 10:34 AM

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QUOTE(lilsunflower @ Sep 21 2016, 10:29 AM)
Looking back at the previous posts, I think people mentioned that the 3% + GST gets charged first, then only waived later? The last time I did a MBB BT was a long time ago, so I can't remember what happened in my situation.

Anyway, still no charges in MBB, and my balances with PBB and HLB fully settled so I am very happy. smile.gif
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yes the fee will be charged and waived later.

but the fee and BT amount only appear/posted in the statement on bill date, you cant actually view them *now* in M2U history.

it seems this is how mbb's bt works (posted on bill date as billed amount), rather than as unbilled amount.
cybpsych
post Sep 22 2016, 09:51 AM

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QUOTE(mitodna @ Sep 22 2016, 09:50 AM)
noob question, the 0% balance transfer Maybank can settle early right without penalty, need to call Maybank to settle early? Thanks
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read faq http://www.maybank2u.com.my/WebBank/bt140916_faq.pdf
cybpsych
post Sep 22 2016, 10:03 AM

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QUOTE(mitodna @ Sep 22 2016, 09:58 AM)
didn't state the process of early settlement, no said no penalty, does this divide to BT amount to monthly repayment?
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what does Q10 says?
cybpsych
post Sep 22 2016, 06:36 PM

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QUOTE(gastacopz @ Sep 22 2016, 04:44 PM)
Still, nobody can give exact answer for that...sweat.gif
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what exact answer are you expecting?
cybpsych
post Sep 22 2016, 06:52 PM

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QUOTE(triple c @ Sep 22 2016, 04:13 PM)
If I apply MBB BT today, still got hope to get the 3% waiver? confused.gif
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QUOTE(gastacopz @ Sep 22 2016, 06:42 PM)
erk..me not questioning..just quoting the person b4 me...regarding 3.6mil allocation..

biggrin.gif
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waiver is given within 30 days from approval.

how would we know now if the fund already depleted? there's no way to see this. not sure if cs can tell us, but very unlikely. it's up to maybank's discretion and they're not obligated to tell us also.

worst case scenario: 2,400 ppl BT max RM50k. fund sure depleted fast.

that's why try to apply bt as soon as you can. perhaps first few months is ok gua.
cybpsych
post Sep 22 2016, 07:20 PM

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QUOTE(MGM @ Sep 22 2016, 07:13 PM)
If during application u indicate that the BT is 12-month 0%, then b4 approval, MBB should be able to know whether funds allocated already fully taken up, and we will be duly informed. Just my 2sen.
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we will be duly informed before approval? i received no such notification from maybank prior to nor after approval.

anyone wanna try asking maybank before applying? biggrin.gif
cybpsych
post Sep 22 2016, 08:19 PM

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QUOTE(MGM @ Sep 22 2016, 08:02 PM)
What I am saying is if funds already depleted, they will call/contact us to see if we still want to proceed but without fee waiver. Anyway when I send in my BT application by email, I will instruct to only proceed with fee waiver.
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what i was curious is whether this is their SOP to contact us if fee waiver already depleted?

if they do, that'd be good instead of trapping us smile.gif
cybpsych
post Sep 24 2016, 09:50 PM

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QUOTE(DarReNz @ Sep 24 2016, 09:44 PM)
aiyoyo just found out MBB CS dunno how to unzip the BT files that I sent over through email not sure why they are quite dumb or IT illiterate  shocking.gif
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possibly their strict internal IT policy la; particularly banking industry.

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