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

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ShaneLim
post Jun 12 2016, 08:22 AM

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QUOTE(mamamia @ Jun 11 2016, 09:41 PM)
Same as the one stated in first post. After email, better call up to check whether they receive.. AEON charge to my card on 9 June, but I haven't receive the payment to BT bank yet..

Email : customer.service@aeonmalaysia.com.my
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In my case, they approved on 2 June, charged to my card on 3 June. Payment was made on 8 & 9 June (2 CC / 2 banks).
garygan
post Jun 12 2016, 09:39 PM

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QUOTE(brotan @ Jun 11 2016, 01:18 PM)
bsn is not stupid

the bt amount is distributed evenly across the 12 months for monthly repayment

so even if u pay 95% for first 6 months, you are overpaying your credit card, not reducing balance
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too bad. tot can use another 0% BT, since Aeon/UOB all used
coz i saw recently there's 2 type of BT
1) fixed even payment
2) random payment
mamamia
post Jun 13 2016, 09:52 PM

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QUOTE(ShaneLim @ Jun 12 2016, 08:22 AM)
In my case, they approved on 2 June, charged to my card on 3 June. Payment was made on 8 & 9 June (2 CC / 2 banks).
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U BT to 2 different bank, is it each bank must be 1k or above or is counted as total amount of both banks?
Eg, Bank A RM900, Bank B RM2000, can I BT both as total is more than RM1k.. Or the requirement is minimum RM1k for each bank?
lamode
post Jun 13 2016, 10:09 PM

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QUOTE(mamamia @ Jun 13 2016, 09:52 PM)
U BT to 2 different bank, is it each bank must be 1k or above or is counted as total amount of both banks?
Eg, Bank A RM900, Bank B RM2000, can I BT both as total is more than RM1k.. Or the requirement is minimum RM1k for each bank?
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combined 1k.
ShaneLim
post Jun 13 2016, 10:10 PM

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QUOTE(mamamia @ Jun 13 2016, 09:52 PM)
U BT to 2 different bank, is it each bank must be 1k or above or is counted as total amount of both banks?
Eg, Bank A RM900, Bank B RM2000, can I BT both as total is more than RM1k.. Or the requirement is minimum RM1k for each bank?
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They count total as 1 of my card only have RM600+ to BT while the other card is 2k+
wan7075
post Jun 14 2016, 01:54 PM

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may I know I can do BT to my supp card?
the supp card statement is combined together with my principle card.
But the transaction record is separated from principle card.

thanks
sms2u
post Jun 14 2016, 02:02 PM

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QUOTE(wan7075 @ Jun 14 2016, 01:54 PM)
may I know I can do BT to my supp card?
the supp card statement is combined together with my principle card.
But the transaction record is separated from principle card.

thanks
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cannot, u can only apply balance transfer from same name of the card holder.

Why u cannot just apply BT to your card which is principal?
wan7075
post Jun 14 2016, 02:45 PM

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QUOTE(sms2u @ Jun 14 2016, 02:02 PM)
cannot, u can only apply balance transfer from same name of the card holder.

Why u cannot just apply BT to your card which is principal?
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got apply for principle.

but I want the both prin + supp tongue.gif brows.gif
sms2u
post Jun 14 2016, 04:23 PM

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QUOTE(comfyguy2 @ Jun 14 2016, 02:15 PM)
So my aeon 6/6 has been posted to my cc bill, can I apply for another BT before I clear the existing 6th payment?
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U can.


QUOTE(wan7075 @ Jun 14 2016, 02:45 PM)
got apply for principle.

but I want the both prin + supp tongue.gif  brows.gif
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Why? both principal and supp are share same credit limit? I cannot think what is the reason.
TSbrotan
post Jun 14 2016, 04:53 PM

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QUOTE(wan7075 @ Jun 14 2016, 01:54 PM)
may I know I can do BT to my supp card?
the supp card statement is combined together with my principle card.
But the transaction record is separated from principle card.

thanks
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normally supp card charges are lump up to principle. you can ask cs to confirm

so u just need to bt for the principle card, your supp will be settled

This post has been edited by brotan: Jun 14 2016, 04:53 PM
wan7075
post Jun 14 2016, 05:08 PM

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QUOTE(sms2u @ Jun 14 2016, 04:23 PM)
U can.
Why? both principal and supp are share same credit limit? I cannot think what is the reason.
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bc I want to extend my payment for sup card also if possible. brows.gif
do you get what I mean?

This post has been edited by wan7075: Jun 14 2016, 05:09 PM
garf
post Jun 14 2016, 05:20 PM

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heard about BT but not sure how it works.... is the monthly BT repayment charge to the credit card monthly bill? or there will be a new account for your to make repayment monthly??
kelvinlzy
post Jun 14 2016, 09:30 PM

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QUOTE(mamamia @ Jun 9 2016, 06:08 PM)
AEON BT process:
1. Submit form and statement on 7th June, Tuesday 5:30pm
2. Call to CS to confirm receipt on my email for the BT application on 8th June
3. Received call from AEON to verify my details at 11:50am today..
4. Received SMS at 5pm stating my BT application has been approved.

Now waiting them to credit the fund
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My BT application on 7th June 9.30pm was approved on 8th June 3pm, payment received from 2 banks on yesterday. So yours should be credited.

QUOTE(garf @ Jun 14 2016, 05:20 PM)
heard about BT but not sure how it works.... is the monthly BT repayment charge to the credit card monthly bill? or there will be a new account for your to make repayment monthly??
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Not all banks are the same, like Aeon it is charged to the existing card while for UOB there will be a new account to make repayment.


mamamia
post Jun 14 2016, 10:02 PM

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QUOTE(kelvinlzy @ Jun 14 2016, 09:30 PM)
My BT application on 7th June 9.30pm was approved on 8th June 3pm, payment received from 2 banks on yesterday. So yours should be credited.
Not all banks are the same, like Aeon it is charged to the existing card while for UOB there will be a new account to make repayment.
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Mine still yet to credited..

Update:
Finally credited today - 16 June 2016..
And I just get to know that AEON is using cheque payment instead of IBG.. they tell me the courier the cheque via Nationwide..

This post has been edited by mamamia: Jun 16 2016, 07:03 PM
TreassureHunter
post Jun 23 2016, 12:26 PM

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any news that PBB will extend the balance transfer program? As the program will be ended on 30th June 2016..

Pray for PBB to extend again
TSbrotan
post Jun 23 2016, 08:57 PM

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QUOTE(TreassureHunter @ Jun 23 2016, 12:26 PM)
any news that PBB will extend the balance transfer program? As the program will be ended on 30th June 2016..

Pray for PBB to extend again
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So far always extend
thesoothsayer
post Jun 27 2016, 09:57 PM

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New Ambank CC holder. They said they have 0% BT.

Anyone used it?

Just so happens I have a big bill and claim coming in from an overseas trip that I charged to my other CC. Thinking of taking advantage of this. 😀
kenlui
post Jun 27 2016, 10:31 PM

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QUOTE(thesoothsayer @ Jun 27 2016, 09:57 PM)
New Ambank CC holder. They said they have 0% BT.

Anyone used it?

Just so happens I have a big bill and claim coming in from an overseas trip that I charged to my other CC. Thinking of taking advantage of this. 😀
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Planning to apply soon. only for new to bank customers. Good thing is for ambank, don't need to fill up any forms, just call their CS and they'll sort it out after getting the necesary details.
sms2u
post Jun 28 2016, 01:56 PM

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QUOTE(TreassureHunter @ Jun 23 2016, 12:26 PM)
any news that PBB will extend the balance transfer program? As the program will be ended on 30th June 2016..

Pray for PBB to extend again
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no new BT form yet in public bank website

QUOTE(brotan @ Jun 23 2016, 08:57 PM)
So far always extend
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Yes, but why the new BT form no yet in public bank website

laymank
post Jun 28 2016, 02:03 PM

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QUOTE(thesoothsayer @ Jun 27 2016, 09:57 PM)
New Ambank CC holder. They said they have 0% BT.

Anyone used it?

Just so happens I have a big bill and claim coming in from an overseas trip that I charged to my other CC. Thinking of taking advantage of this. 😀
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I am using it as new applicants to AmBank also.

0% for 12 months, no hidden clause. BT amount will be divided into 12 for payments.

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