Oh you evil person!

How you read my mind?!

normally m2u will reject if payment not nice because i guess is computerized..
try send email

Someone just loan you some funds for these lifetime worthy investment, why not. #yolo

YEAH!!! GREAT NEWS INDEED

Great news about Maybank extended
but my CL limit so low cant BT much also

good news!

seriously, why la the BT form is in JPG format

Seem like MBB removed the link.. when I click on, it is different promo, nothing relates to BT

Edit: got it now.. something wrong with my browsers then

This post has been edited by mamamia: Aug 30 2017, 07:03 PM

Further on top of MBB good news,

For new- to-bank OCBC credit card member will get 0% BT offer

thanks for sharing!

too many BTs (maxed out!!!) with MBB and PBB for me, no need wait to waste time to apply, sure kena reject one
Recently being rejected by MBB on my application to increase credit limit, been using the cards for more than 2 years, always settled full payment on time.

i done once before but they make it very hard. i even need to write in letter to request. Really hard!!

is true but the minimum amount (certain percent of total transferred) won't showed in ur statement, u need to calculate yourself. Trick is u may missed any month and get service changes

The trick is to don't use your HSBC card for anything else. Just apply BT and lock up.

I applied for 10K BT, then locked up the card. Every month just pay 5% (which is the minimum payment amount shown on the statement). Easy to track and guaranteed no finance charges.

Actually the minumum amount to pay is stated in the statement. Just pay that amount to avoid getting interest charged.

For 24 months or longer balance transfer with amount of ~RM4k, what is the best offer from all bank?
Seems like BSN 24 months is the best deal with 1 year of 4.5% interest and no one time fee

Just a suggestion instead.

Why don't you do a 12 months 0% MBB BT and do a 6 months PBB BT towards your installments when you are feeling less capable to repay them already?

That way, you don't need to incur a 4.5% charge at all.

Which bank allows the excess to be transferred to CASA now?

Generally,

Interest is charged when you only pay the minimum amount.

You do not avoid getting interest charged when you only pay the minimum amount.

However,

In the case of HSBC Balance Transfer, a monthly installment entry is shown in the statement.

In the case of HSBC Balance Transfer, yes you will not be charged interest when paying the minimum amount shown in the statement.

(The above is true for HSBC Amanah & might be the same for HSBC.)

Best to just call the telephone number on the back of your HSBC credit card for clarification.

This post has been edited by lohyugee: Sep 5 2017, 01:58 AM

I don't have the credit card so I need to apply for it now
Hence, I am looking for best deal before I take the plunge
I want to see if there is any possibility to better deal than that for 24 months repayment or not

You can try my suggestion then.

CIMB - 6 months BT for 0%

HSBC - 6 months 0% used to be around. Not sure if the 12 is still available.

Ambank - 6 months also

PBB - Always auto extend 6 months 0%

You should go an apply a MBB and the second card shortly. Then you can manage the BT rather easily.

-deleted-

This post has been edited by rae0724: Sep 5 2017, 10:12 PM