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

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sendohz
post Dec 21 2016, 03:23 PM

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QUOTE(cybpsych @ Dec 21 2016, 02:07 PM)
no idea, but suspected only selected invitees. i myself didnt get it either.
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Have you tried sending the SMS?
Maybe later i should try it
sendohz
post Dec 29 2016, 05:28 PM

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QUOTE(echoesian @ Dec 29 2016, 05:26 PM)
Today still can apply? What if only it approve on next week?
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You will be charged with 3% upfront fees.
It;s written clearly on the updated TnC
sendohz
post Jan 3 2017, 03:37 PM

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QUOTE(lilsunflower @ Jan 3 2017, 03:35 PM)
Thanks.

Its ok, all hospital bills 100% claimable from husband's job, so its just a temporary cash flow issue even if the bills are high. Second child, so less stressed.
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Wow claimable from husband. I thought his money is your money biggrin.gif

sendohz
post Jan 3 2017, 03:39 PM

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QUOTE(lilsunflower @ Jan 3 2017, 03:38 PM)
Husband's JOB (i.e. employment benefit). We pay first, claim from company later.
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That's even more terrific. 100% family benefit claim.

sendohz
post Jan 3 2017, 03:48 PM

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QUOTE(lilsunflower @ Jan 3 2017, 03:44 PM)
Yepp. Will earn points from paying with CC (still planning which card I should use to pay - most likely AEON), then 0% BT to PBB and pay over 6 months. But claim the cash from company (process in Jan / Feb payroll). Not too bad.

0% BT is really useful in these kind of situations!
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Yes. I'm planning to swipe with MBB visa signature next month for airfare tickets.
Then using the same method as yours BT to PBB.

However my PBB gold card annual fee is approaching, most probably next month since my expiry date embossed on card stated FEB.
If annual fee can be waived then stick to plan, if can't need to find alternative way.
sendohz
post Jan 3 2017, 04:22 PM

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QUOTE(lilsunflower @ Jan 3 2017, 03:54 PM)
Have you thought about applying for AEON cards? For me, I use PBB and AEON for BT.

AEON just a bit more troublesome for the following reasons:

1. Only once every 6 months, so you're a little restricted in timing and have to plan for big ticket items

2. Need statement (again, restricted in terms of timing, and doesn't work for those who want to BT more than statement amount)

However, AF is easily waivable and AEON is quite a nice card for miscellaneous spending.
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Oh ya. Forgot to mention AEON.
Yes i have AEON and i'm allowed to apply BT after statement posted in February where it will be 6/6.
sendohz
post Jan 26 2017, 10:46 AM

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QUOTE(ronnie @ Jan 26 2017, 12:27 AM)
Nowadays AEON's BT payment very fast using IBG... funds transferred on same date as approval SMS
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Ya i'm surprised as well. I was expecting 7 working days till posting completion.
I guess they realized that IBG vs cheque cost effectiveness.
sendohz
post Jan 27 2017, 08:42 AM

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QUOTE(ronnie @ Jan 27 2017, 12:46 AM)
But one payment to Alliance Bank seem to be very slow.... nothing till now
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Recommended to give them a call just before this festive season holiday just to give you a peace of mind
sendohz
post Feb 6 2017, 01:38 PM

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QUOTE(lilsunflower @ Feb 6 2017, 12:32 PM)
Has anyone done an AEON BT application recently (in December / January)?

I submitted my e-mail on 25 Jan (just before CNY) but have yet to receive any acknowledgement etc. Just wanted to check how long it normally takes.

I know that there are delays during CNY period, but its been 12 days already, so it seems quite slow. I tried calling CS today, but no one picked up after 3 calls. AND, when I emailed CS, I received an automated response saying: "The recipient's mailbox is full and can't accept messages now. Please try resending this message later, or contact the recipient directly".

Seems like everyone is still on holiday!!!!  blink.gif 

Thanks in advance.
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Yes i believe i faced the same situation.
Then i called CS and tell them the mailbox is full, answer some few verification questions, then call on-hold, then CS told me to send email again after two hours.
I sent the BT application form like 4 hours after i made the call and it was successfully sent.

Then it takes like the next working day Aeon called me back to verified my application and then the next day SMS sent to me stating BT successful.
Next afternoon payment reflected to both banks that i request to transfer.

I replied once in the Aeon thread, and i assume they used IBG to transfer the money instead of cheque now.
sendohz
post Feb 10 2017, 12:30 PM

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QUOTE(David900924 @ Feb 10 2017, 12:02 PM)
HSBC always offer 0% even if u not new customer, all you need to do is request for cancellation card and reason for BT purpose only, then they will offer you 0%, 6 months, monthly repayment = total BT amount/6 months.

the condition is never swipe for anything else except BT due to interest charge. I have apply islamic and non-islamic which both have separate CL for BT purpose at 0% 6 months.
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Is it?
Then might as well apply hsbc card just for BT purpose.
sendohz
post Feb 15 2017, 12:21 PM

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QUOTE(sms2u @ Feb 15 2017, 12:19 PM)
actually, someone reported once see the last installment of BT (example, 6th installment if take 6 months) posted to CC, u can apply another BT
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Yes.
I applied after 6/6 installments posted.
sendohz
post Feb 15 2017, 04:49 PM

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Sharing my recent BT for CIMB using PBB.

Outstanding in CIMB RM5k. Transfer to PBB min RM6k (Overpay 1k)
Call in to CIMB CS request to transfer overpayment to my SA.

CS informed not possible to do so, ONLY able to transfer back to the source of payment and need to attached proof of payment.

Hence i attached PBB unbilled transaction to CIMB CS and request was directed to relevant department to transfer the fund back to PBB CC.
sendohz
post Feb 15 2017, 05:02 PM

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QUOTE(Pink Spider @ Feb 15 2017, 04:53 PM)
Why don't u just use the excess and pay bills or buy stuff? So troublesome
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Because the CIMB CC that i used is Enrich Platinum card.
That's why it's foolish to use that card to pay bill since the benefit is minimal compared to CIMB CR.

sendohz
post Feb 16 2017, 08:51 AM

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QUOTE(justanovice @ Feb 15 2017, 07:05 PM)
Does cimb transfer the entire 6k or only the 1k after offset the credit card balance?
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After offset balance left 1k. Transfer the 1k out.


QUOTE(MGM @ Feb 15 2017, 08:04 PM)
Then u can transfer from Enrich Platinum to CR.
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Nope i chose not to transfer to CR since i'm not utilising it due to Posonline unavailability.
Therefore the overpayment of 1k will still sit there doing nothing

This post has been edited by sendohz: Feb 16 2017, 08:52 AM
sendohz
post Feb 16 2017, 09:28 AM

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QUOTE(tbheng @ Feb 16 2017, 09:02 AM)
Hmmm, this is interesting.
I normally srart applying new aeon bt when 6/6 appear in stmt.
Question: If apply new bt when 6/6 appear in unbilled, when stmt come out will carry both the old 6/6 and new 1/6 in the same stmt?
I guess it is all about cashflow timing. See when u hv the highest cc o/s from others cc.
I am in the same situation now.... not easy to layout both projection  senario (apply now or wait for next mth) with crisscrossed bt running. tongue.gif
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Yeah i agree it's all about timing.
When I have a big spending and the time coincide where 6/6 posted, i will definitely apply for the BT.
At normal case, i would wait after i clear off the installment then only i apply the BT.
sendohz
post Mar 7 2017, 10:23 AM

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1/3 - Application form sent via email BT for PBB, UOB, SCB- 4pm
2/3 - Email received acknowledgement - 10.45am
3/3 - BT approved SMS received - 6.00pm
6/3 - PBB payment posted in PIB - Morning
SCB payment posted in PIB - Afternoon
UOB payment reflected in PIB - Afternoon

Well done Maybank

sendohz
post Mar 15 2017, 02:42 PM

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QUOTE(WhitE LighteR @ Mar 15 2017, 02:19 PM)
My UOB BT seems to be approve already. I see they created a separate cc account for it. Am I right to assume that the they will generate a statement for this and i need to do the payment into this new account? after the 6 month BT term has ended they will just close this account?
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Is this UOB BT just for new card holder?
sendohz
post Mar 15 2017, 03:02 PM

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QUOTE(WhitE LighteR @ Mar 15 2017, 02:48 PM)
Sorry. No. I am an old card member.
This is a special offer. Not available to everyone. I mentioned this before in previous post.
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Noted.
I did sent once for the SMS.
I will try to send once more and try my luck.
sendohz
post Apr 8 2017, 11:26 AM

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QUOTE(mamamia @ Apr 8 2017, 05:55 AM)
Yeah, I think MBB is still better option unless fruitie doesn't have enough credit limit for MBB.. coz 18k / 12 mths vs 18k / 6 mths is so much different.
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Our lady boss here doesn't like owing money for a long period hence the shorter tenure installment.
sendohz
post Apr 12 2017, 02:16 PM

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QUOTE(lilsunflower @ Apr 12 2017, 02:13 PM)
I just sent them an e-mail at 10.37am today and it was fine. Sometimes their inbox is full.

You have to call CS and they will arrange for them to clear inbox. It is quite ridiculous... I have done it before.
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fruitie

Same. Experienced it as well.
CS will request you to wait 1-2 hours before sending in another email.



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