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Credit Cards Balance Transfer (BT) Plans V4 - Banks Offer List, Credit card debt consolidation
MGM
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Aug 18 2017, 02:21 PM
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Anyone tried this : https://www.sc.com/my/campaign/balance-transfer-plus/ ? Is this truely 0 cost? This post has been edited by MGM: Aug 18 2017, 02:21 PM
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sendohz
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Aug 18 2017, 02:31 PM
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QUOTE(MGM @ Aug 18 2017, 02:21 PM) Can;t participate. Not eligible.
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gastacopz
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Aug 18 2017, 04:11 PM
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Applied AEON BT this morning...
BT from 3 cards, 1 of the card, I use last month statement (which already paid,and higher amount) compare to new statement which is today.
Received calls from them at 2.15pm to double confirm.
Quite efficient.
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MGM
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Aug 19 2017, 08:44 AM
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7:00 Called CS to confirm 0% BT Promo still available 7:18 Submitted BT thru M2U 7:19 Received email BT approved in principle 8:39 Received email BT approved. Wow impressive. This post has been edited by MGM: Aug 19 2017, 08:45 AM
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gastacopz
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Aug 19 2017, 09:58 AM
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QUOTE(MGM @ Aug 19 2017, 08:44 AM) 7:00 Called CS to confirm 0% BT Promo still available 7:18 Submitted BT thru M2U 7:19 Received email BT approved in principle 8:39 Received email BT approved. Wow impressive. Nice..will do another round after my aeon bt transferred..already approved also same day for aeon
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lamode
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Aug 19 2017, 08:08 PM
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daniel7910
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Aug 19 2017, 10:33 PM
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Getting Started
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QUOTE(lamode @ Aug 19 2017, 08:08 PM) didn't realize already did 8 BTs (another 2 in a diff card), amounting to 30.4k to MBB under 0% BT Promo. admire u... my credit limit 15k....
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fruitie
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Aug 19 2017, 10:52 PM
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Rise and Shine
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QUOTE(lamode @ Aug 19 2017, 08:08 PM) didn't realize already did 8 BTs (another 2 in a diff card), amounting to 30.4k to MBB under 0% BT Promo. I'm applying loan now and all these outstanding taken into consideration, I don't dare to play more. Monthly repayment only around 2.2k now.
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lamode
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Aug 19 2017, 11:17 PM
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QUOTE(daniel7910 @ Aug 19 2017, 10:33 PM) admire u... my credit limit 15k.... i'm just a small potato here... fruitie yes, you are right, they contribute to your DSR, and 2.2k is very high commitment even if you are earning 5 figure. when i applied mortgage 2 years+ ago for under con project, i did early settlements and stopped for 2 years to avoid potential complication during second CCRIS assessment just before first disbursement. in my opinion, it is better to be safe (wait for bank disbursement) and do not restart BT immediately after loan approved. This post has been edited by lamode: Aug 19 2017, 11:19 PM
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fruitie
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Aug 20 2017, 12:11 AM
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Rise and Shine
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QUOTE(lamode @ Aug 19 2017, 11:17 PM) i'm just a small potato here... fruitie yes, you are right, they contribute to your DSR, and 2.2k is very high commitment even if you are earning 5 figure. when i applied mortgage 2 years+ ago for under con project, i did early settlements and stopped for 2 years to avoid potential complication during second CCRIS assessment just before first disbursement. in my opinion, it is better to be safe (wait for bank disbursement) and do not restart BT immediately after loan approved. Yeah, I also cut down a lot on my daily expenses, so nothing to BT. I always BT for my expenses not to transfer to my savings account.
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westlife
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Aug 20 2017, 07:47 AM
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QUOTE(lamode @ Aug 19 2017, 08:08 PM) didn't realize already did 8 BTs (another 2 in a diff card), amounting to 30.4k to MBB under 0% BT Promo. save a lot for 12 months. I also just did my 4th BT. Interest free and processing fee free BT is really song.
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snowswc
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Aug 20 2017, 03:05 PM
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QUOTE(lamode @ Aug 19 2017, 08:08 PM) didn't realize already did 8 BTs (another 2 in a diff card), amounting to 30.4k to MBB under 0% BT Promo. in the past 12 months, i have done RM 140k BT to Maybank. will continue again once i settle this month outstanding. last month promotion for Maybank!! Attached thumbnail(s)
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justanovice
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Aug 20 2017, 05:02 PM
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QUOTE(snowswc @ Aug 20 2017, 03:05 PM) in the past 12 months, i have done RM 140k BT to Maybank. will continue again once i settle this month outstanding. last month promotion for Maybank!! Wow, your CL is near to 80-100K ?
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westlife
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Aug 20 2017, 05:23 PM
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QUOTE(justanovice @ Aug 20 2017, 05:02 PM) Wow, your CL is near to 80-100K ? More than rm140k for sure. because not entirely 100% of available credit limit can be used for balance transfer.
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snowswc
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Aug 20 2017, 05:25 PM
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QUOTE(justanovice @ Aug 20 2017, 05:02 PM) Wow, your CL is near to 80-100K ? initially i got 30k only..and i request for increase..approved to RM 50k...the following month i request again.. approved to RM 70k.. very efficient.. but i have problem now... recently applied 2 credit card also got rejected..i think is because of the BT.... applied too much...
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snowswc
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Aug 20 2017, 05:26 PM
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QUOTE(westlife @ Aug 20 2017, 05:23 PM) More than rm140k for sure. because not entirely 100% of available credit limit can be used for balance transfer. that is total applied in the past 12 months... every month i will apply again after i settled. total 0% BT i think is more than 200k in the past 12 months... HSBC 7k, Ambank 30k and Aeon 40k. all transfer to my housing loan to save interest. This post has been edited by snowswc: Aug 20 2017, 05:31 PM
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justanovice
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Aug 20 2017, 05:32 PM
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QUOTE(snowswc @ Aug 20 2017, 05:25 PM) initially i got 30k only..and i request for increase..approved to RM 50k...the following month i request again.. approved to RM 70k.. very efficient.. but i have problem now... recently applied 2 credit card also got rejected..i think is because of the BT.... applied too much... Oh i see good for you. I applied CL increase once and the CS told me i can only apply 1 year later lol
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daniel7910
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Aug 20 2017, 05:50 PM
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Getting Started
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QUOTE(snowswc @ Aug 20 2017, 05:25 PM) initially i got 30k only..and i request for increase..approved to RM 50k...the following month i request again.. approved to RM 70k.. very efficient.. but i have problem now... recently applied 2 credit card also got rejected..i think is because of the BT.... applied too much... Do maybank request us to provide income document for credit limit increase??
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chonghe
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Aug 20 2017, 05:53 PM
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QUOTE(snowswc @ Aug 20 2017, 05:26 PM) that is total applied in the past 12 months... every month i will apply again after i settled. total 0% BT i think is more than 200k in the past 12 months... HSBC 7k, Ambank 30k and Aeon 40k. all transfer to my housing loan to save interest. so you are credit card gou shou so you mean you can BT extra cash, and transfer the extra cash to saving and then to mortgage loan to save interest, then only pay monthly to 0% BT? but as far as I know AEON BT needs statement right? So if you want to transfer to housing loan how did you provide statement to AEON?
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fruitie
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Aug 20 2017, 06:51 PM
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Rise and Shine
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QUOTE(daniel7910 @ Aug 20 2017, 05:50 PM) Do maybank request us to provide income document for credit limit increase?? Yes, 3 months' latest payslip. Never failed to get CL increase this way.
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