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

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MGM
post 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
sendohz
post Aug 18 2017, 02:31 PM

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QUOTE(MGM @ Aug 18 2017, 02:21 PM)
Anyone tried this : https://www.sc.com/my/campaign/balance-transfer-plus/ ?
Is this truely 0 cost?
*
Can;t participate.
Not eligible.
gastacopz
post 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.
MGM
post 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. thumbup.gif rclxms.gif

This post has been edited by MGM: Aug 19 2017, 08:45 AM
gastacopz
post 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. thumbup.gif  rclxms.gif
*
Nice..will do another round after my aeon bt transferred..already approved also same day for aeon
lamode
post Aug 19 2017, 08:08 PM

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didn't realize already did 8 BTs (another 2 in a diff card), amounting to 30.4k to MBB under 0% BT Promo. rclxms.gif smile.gif


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daniel7910
post Aug 19 2017, 10:33 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.  rclxms.gif  smile.gif
*
admire u... my credit limit 15k....


fruitie
post Aug 19 2017, 10:52 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.  rclxms.gif  smile.gif
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I'm applying loan now and all these outstanding taken into consideration, I don't dare to play more. laugh.gif
Monthly repayment only around 2.2k now.
lamode
post Aug 19 2017, 11:17 PM

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QUOTE(daniel7910 @ Aug 19 2017, 10:33 PM)
admire u... my credit limit 15k....
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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
fruitie
post Aug 20 2017, 12:11 AM

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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.
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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. tongue.gif
westlife
post 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.  rclxms.gif  smile.gif
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save a lot for 12 months.

I also just did my 4th BT. Interest free and processing fee free BT is really song. tongue.gif
snowswc
post 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.  rclxms.gif  smile.gif
*
in the past 12 months, i have done RM 140k BT to Maybank. smile.gif
will continue again once i settle this month outstanding. last month promotion for Maybank!!


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justanovice
post 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. smile.gif
will continue again once i settle this month outstanding. last month promotion for Maybank!!
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Wow, your CL is near to 80-100K ?
westlife
post 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 ?
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More than rm140k for sure. because not entirely 100% of available credit limit can be used for balance transfer.
snowswc
post 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...
snowswc
post 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.
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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
justanovice
post 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
daniel7910
post Aug 20 2017, 05:50 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...
*
Do maybank request us to provide income document for credit limit increase??
chonghe
post 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?
fruitie
post Aug 20 2017, 06:51 PM

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QUOTE(daniel7910 @ Aug 20 2017, 05:50 PM)
Do maybank request us to provide income document for credit limit increase??
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Yes, 3 months' latest payslip. Never failed to get CL increase this way.

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