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

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cybpsych
post Nov 22 2019, 02:49 PM

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QUOTE(LemonJane @ Nov 22 2019, 02:26 PM)
I don't know the answer.  Just want to know what bank this is
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BSN likely >> https://www.mybsn.com.my/content.xhtml?contentId=194

This post has been edited by cybpsych: Nov 22 2019, 02:49 PM
cybpsych
post Nov 23 2019, 11:10 AM

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QUOTE(extinct_83 @ Nov 23 2019, 11:00 AM)
If we max out the credit limit for BT, we can still top up or pay the card in advance so we can continue to use the card?
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that's the whole point of having CL, right? you're not suppose to overutilize it.

also there could be charges too.

p/s: some banks may allow a bit, like few %. but better be safe and keep within CL.
cybpsych
post Dec 28 2019, 04:41 PM

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QUOTE(Harfan @ Dec 28 2019, 04:26 PM)
Hi guys!

I am looking on Balance Transfer programme to transfer my Maybank credit card balance totaling around 4K. The best that I found is BSN: https://www.mybsn.com.my/content.xhtml?contentId=136

My question:
1. I am using Maybank credit card now. Is this programme eligible for me?
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yes, but bsn bt is not fully 0%

you still need to apply bsn credit card
cybpsych
post Dec 28 2019, 06:08 PM

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QUOTE(Harfan @ Dec 28 2019, 05:17 PM)
Thanks for the fast reply.
I see, so I need to apply for BSN credit card first and only after then I can do the balance transfer?
Which balance transfer program that you can suggest (other than AEON)?
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of course. balance transfer is from one source bank (your maybank card) --> one destination bank (in this case, BSN card).

in essence, BSN pay your Maybank card's outstanding. then BSN take charge of the outstanding via BSN card.


there's one from Affin bank, but the BT promo will end 31 Dec. not enough time for you to get Affin card.

if possible, withhold your spending (if any) for any possible new BT promo next year.
cybpsych
post Jan 10 2020, 10:32 AM

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QUOTE(cybpsych @ Dec 30 2019, 05:59 PM)
PB Balance Transfer [ PBB | T&Cs ]

user posted image
PB Flexipay Plan [ PBB | T&Cs ]

user posted image
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QUOTE(thinkhappy @ Jan 10 2020, 10:21 AM)
Public Bank balance transfer program increase interest rate from 0% to 1% then 1.5% this year
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cybpsych
post Jan 13 2020, 12:20 PM

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QUOTE(cybpsych @ Jan 9 2020, 12:12 PM)
QUOTE(wongmunkeong @ Jan 13 2020, 11:11 AM)
Unsure whether shared or not thus sharing for those with HLB credit cards AND via online, now seems to be extended to end Feb 2020 AND transaction must be>=$2K:

Hong Leong Bank Berhad’s (“HLB”) “0% Interest Flexi Payment Plan campaign” (“Campaign”) commences on:
1st November 2019 at 00:00:00 hours (12:00 a.m.) and
ends on 29th Feb 2020 at 23:59 (11:59 p.m)
both dates inclusive ("Campaign Period"), unless notified otherwise.

Minimum Eligible Retail Transaction Amount
12 months 0% p.a. RM2,000.00

full t&c below:
https://www.hlb.com.my/content/dam/hlb/my/i...omotion-tnc.pdf
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shared in hlbwise thread earlier biggrin.gif
cybpsych
post Jan 19 2020, 03:17 PM

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QUOTE(ThorWP @ Jan 19 2020, 02:22 PM)
alliance BT can only be done once for new to card customer only?
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https://www.alliancebank.com.my/Alliance/me...-Conditions.pdf
cybpsych
post Feb 10 2020, 06:04 PM

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QUOTE(leo_kiatez @ Feb 10 2020, 06:02 PM)
Anymore new BT promo by Banks recently?
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doesnt seem any new BT promo.
cybpsych
post Feb 15 2020, 09:14 PM

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QUOTE(jianwei90 @ Feb 15 2020, 09:09 PM)
Hi, any cards with 0% Flexi payment plans for at least 12 months after meeting a certain minimum spending amount for all types of transactions (not restricted to participating merchants only)?
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hlb

promo >> https://www.hlb.com.my/en/personal-banking/...yment-plan.html
cybpsych
post Feb 17 2020, 08:58 PM

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user posted image

0% Balance Transfer and Cash-On-Call

Apply NOW! Click here to download the application form.

Click here for full Terms and Conditions.

Terms and Conditions Apply.
cybpsych
post Feb 18 2020, 08:56 AM

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QUOTE(LemonJane @ Feb 18 2020, 08:54 AM)
Take note that qualifying amount is 5,000 for zero % and up to 80% of your credit limit.
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nothing unusual, quite common t&c
cybpsych
post Feb 20 2020, 12:13 PM

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QUOTE(cococonutseller @ Feb 20 2020, 12:09 PM)
Very risky, wanna see if anyone did it recently
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pickup the phone and request from the bank.

get the answer faster and direct.
cybpsych
post Mar 11 2020, 09:48 AM

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QUOTE(cybpsych @ Mar 2 2020, 07:03 PM)
PB Flexipay (0.5% for 8-month) [ PBB | T&Cs ]

user posted image
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QUOTE(wongmunkeong @ Mar 11 2020, 09:41 AM)
Sorry if a bit out of topic.
PB Visa credit cards 0.5% for 8 months Mar 1 to Apr 30
https://www.pbebank.com/Personal-Banking/Pr...month)-(1).aspx

Much more oomph in terms of effective rate than PB's Quantum's 1% 12 months standing offer.

paiseh paiseh.."accidentally" found out coz i stupidly used my Visa twice for Big Pay reload - found out when i called PB to FPP my Quantum Master card 1% upfront for 12 months (urgh.. wrong card used for second reload but BP accepted wrong CVV - ie my Visa instead of my Quantum Master).

good "accident" but still.. paiseh heheh
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better discuss in PBB thread. not to confuse the discussion here for Balance Transfer.
cybpsych
post Mar 31 2020, 10:45 AM

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QUOTE(cybpsych @ Mar 2 2020, 07:03 PM)
PB Flexipay (0.5% for 8-month) [ PBB | T&Cs ]

user posted image
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QUOTE(suadrif @ Mar 31 2020, 10:25 AM)
that one is not installment for new purchase?
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this is NOT a Balance Transfer

it is a post-purchase conversion to installment.
cybpsych
post Mar 31 2020, 10:58 AM

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QUOTE(MNF0 @ Mar 31 2020, 10:50 AM)
So if RM1K the management fee is just RM5 am i right?
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i think so. better confirm with customer service.
cybpsych
post Apr 2 2020, 10:29 AM

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QUOTE(MGM @ Apr 2 2020, 10:21 AM)
I have never done any BT with fee, so if a BT of rm10000, total fee is rm50? So monthly paying (10050/6)=rm1675?
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from what i understand...

0.5% one-time upfront = 10,000 x 0.5% = 50

monthly installment = 10,000/6 = 1,666.66

1st installment = 1,666.66 + 50
2nd installment until finish = 1,666.66

cybpsych
post Apr 2 2020, 10:38 AM

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QUOTE(MGM @ Apr 2 2020, 10:37 AM)
So same as the PBB's  8-month Flexipay  with 0.5% upfront fee.
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should be same.

once you've tried either BT or FlexiPay, do share the 1st posting of the installment biggrin.gif
cybpsych
post Apr 16 2020, 11:05 AM

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0% PB Balance Transfer [ PBB | T&Cs | Form]

** For New-to-Bank Cardmember (card approved from 1st March 2020 onwards) **

user posted image

This post has been edited by cybpsych: Apr 18 2020, 06:16 AM
cybpsych
post Apr 18 2020, 06:16 AM

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QUOTE(guy3288 @ Apr 18 2020, 02:13 AM)
I click on your link above for the 0% BT FORM, but it lead me to another page,
cant find the FORM itself.
0% PB Balance Transfer [ PBB | T&Cs |Form
Anyone can help where to download the form?
sorry my mistake didnt read properly
Perhaps try the 0% PBB BT instead, but where to get the Form?
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always check back the source page of the promo.

pbb changed the form link to >> https://www.pbebank.com/pdf/btzero.aspx
cybpsych
post May 9 2020, 08:25 PM

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