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

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TongCN
post Nov 5 2025, 10:18 AM

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QUOTE(Human Nature @ Nov 4 2025, 08:34 PM)
Anyone requested for HLB to transfer payment received at HLB cc to HLB BT account recently? Do they still entertain the request?
*
Does HLB still offer 0% BT 12 months ?
Haven't checked recently cause not enough limit until settlement done in 23 December 2025 for last year application
TongCN
post Nov 5 2025, 10:29 AM

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QUOTE(Gabriel03 @ Nov 4 2025, 03:01 PM)
Interesting. Seems like MBB treat different customers differently.
You have reported twice that MBB sent approval SMS within hours of the application.

Two weeks ago, MBB took T+2 to send me the BT approval message.
Like you, I applied MBB BT 0% today at 8.46 a.m. Still haven't received any SMS. Probably will be approved two days later.
*
10:18 am just now received SMS from MBB saying amount transferred to targeted bank.
TongCN
post Nov 5 2025, 10:58 AM

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QUOTE(LostAndFound @ Nov 5 2025, 10:30 AM)
Public bank 6 months 0% BT for Visa cards (min RM3k), app just pushed me advert for it.
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Saw this also, lol..


QUOTE(Human Nature @ Nov 5 2025, 10:41 AM)
I mean i want to BT to HLB, then request for the money to be transferred to my HLB BT account
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Normally if got promo 0% BT , you can try to do in on web version, there you can pick other banks' card or own saving/current account.

I can't do it cause my limit not allow, straight block me to see, that's why i'm asking.
TongCN
post Nov 6 2025, 02:52 PM

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QUOTE(Ethan @ Nov 6 2025, 10:26 AM)
PBB allows this in their website application.
I just made the 0% BT... PBB paying into HLB's BT account.
Money received in two days.
rclxms.gif
*
So meaning u fill in the targeted account = HLB Balance transfer 16 digits ?
* Not the HLB CC 16 digits
TongCN
post Nov 7 2025, 08:23 AM

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QUOTE(TongCN @ Nov 4 2025, 01:41 PM)
Tried apply an expired code first under my SMS (31 Oct 2025) since no new SMS coming in, wait them call and see.

*
Hmm .. UOB CS doesn't even bother to call me ?
TongCN
post Nov 28 2025, 11:48 AM

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QUOTE(Human Nature @ Nov 28 2025, 08:46 AM)
The manual refund to HLB BT acc is received today. For reference, 2 days.
*
Is it still using call ?

Last time i always use call to transfer overpaid in my CC (-ve) to other HLB BT for min settlement.
TongCN
post Dec 8 2025, 10:30 AM

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QUOTE(Human Nature @ Nov 21 2025, 01:58 PM)
Applied for Affin BTIP and received call back in less than 1 hour. A record  biggrin.gif
*
Applied yesterday (Sunday 01:46PM) and until now still no call sweat.gif
TongCN
post Dec 8 2025, 10:50 AM

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QUOTE(cybpsych @ Dec 8 2025, 10:33 AM)
non-operating hours are usually "below the pile", so to speak

whatever banking activities, do within their operating hours. you apply on Sunday, expect them to work?  laugh.gif  laugh.gif

unless, no human intervention needed, like fully automated process.
*
Ya, i dun expect them to call on Sunday

But next working day until now almost noon time already still no sound kinda slow :\

Update: 1:09pm infamous 1s call first attempt

This post has been edited by TongCN: Dec 8 2025, 01:40 PM
TongCN
post Dec 9 2025, 09:55 AM

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QUOTE(Human Nature @ Nov 26 2025, 10:27 AM)
Rearding the overpayment refund service by HLB.

Can refund to SA. Maximum amount allowed is RM1000. Refund will be credited the next business day. Apparenly can refund to other banks SA too but I didn't try.
But be warned, it is only RM1000 per month. This include refund to BT account. How I am not able to refund to my BT account  sweat.gif Not sure if there iis a RM1000 limit if I just refund to BT account first.
*
Hi, wan ask that does the HLB SA ask you the source of this "overpayment"?
Such as is it from another saving account (other bank) or Balance transfer by another bank?

The SA told me if :

1) Saving can transfer
2) BT cannot transfer
TongCN
post Dec 9 2025, 11:18 AM

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QUOTE(Human Nature @ Dec 9 2025, 10:38 AM)
Not at all. Iirc, when the BT from other banks goes into the card account, the description already stated its BT.
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I see some of mine show IBG only

Some bottom will put "Bank name [XXX] credit card centre" like that

So far statement i didn't see "BT"
TongCN
post Dec 9 2025, 01:45 PM

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QUOTE(Human Nature @ Dec 9 2025, 12:31 PM)
Mine showed this:

PAYMENT THANK YOU - IBG
BT xxx
BAL TRANSFER xxx
AFFIN BANK CSH-CBD-IBG MAIN
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Mine from PBB shows :

PAYMENT THANK YOU - IBG
PBB-PBCS AC 3


From MBB shows

PAYMENT THANK YOU - IBG
PAYMENT
MAYBANK - COLLECTION ACCOUNT

This post has been edited by TongCN: Dec 9 2025, 01:46 PM

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