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

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cybpsych
post Oct 4 2017, 01:43 PM

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QUOTE(cybpsych @ Sep 28 2017, 08:02 AM)
PB Balance Transfer [ PBB | Form & T&Cs ]
1 October - 31 December 2017

user posted image
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QUOTE(paogeh @ Oct 4 2017, 01:37 PM)
Want to ask,

1. Using Public bank credit card, is it possible to pay TNB bill online ? How ?
2. Want to apply PBB BT 0%, how to do ? similar like M2U, do online? How ? Thank you
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1) visit mytnb portal https://www.mytnb.com.my/ or mytnb mobile app or via 3rd party gateway like uobpayonline
2) fill in form, attach statement, sign, scan, and email. read the T&C.
OKLY
post Oct 4 2017, 01:43 PM

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QUOTE(paogeh @ Oct 4 2017, 01:37 PM)
Want to ask,

1. Using Public bank credit card, is it possible to pay TNB bill online ? How ?
2. Want to apply PBB BT 0%, how to do ? similar like M2U, do online? How ? Thank you
*
1. Use uobpayonline and you will be entitled to online cashback if your card has cashback for online spending.

2. Fill up form and mail, email or fax back to them.
paogeh
post Oct 4 2017, 01:48 PM

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Thanks for the FAST reply,

Since i get RM30K CL IN PBB cards,

what;s the MAX i can apply BT ? Thank you so much
MGM
post Oct 4 2017, 02:19 PM

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QUOTE(paogeh @ Oct 4 2017, 01:48 PM)
Thanks for the FAST reply,

Since i get RM30K CL IN PBB cards,

what;s the MAX i can apply BT ? Thank you so much
*
80% OF available balance
paogeh
post Oct 4 2017, 02:44 PM

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Thank you so much for the SWIFT REPLY.

Currently i have MBB BT-0%,
and now applying PBB BT-0% .

any suggestion which next BT should i consider to get ?
*Using the BT to put in FD/house loan/ASNB





rapple
post Oct 4 2017, 02:52 PM

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QUOTE(paogeh @ Oct 4 2017, 01:48 PM)
Thanks for the FAST reply,

Since i get RM30K CL IN PBB cards,

what;s the MAX i can apply BT ? Thank you so much
*
T&C stated 80%.

I've BT 90% of my CL last month.
paogeh
post Oct 4 2017, 02:58 PM

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QUOTE(rapple @ Oct 4 2017, 02:52 PM)
T&C stated 80%.

I've BT 90% of my CL last month.
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SO 90% approved ?
rapple
post Oct 4 2017, 03:00 PM

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QUOTE(paogeh @ Oct 4 2017, 02:58 PM)
SO 90% approved ?
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Yea. If is not approved I would not even comment it here.
MGM
post Oct 4 2017, 04:07 PM

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QUOTE(rapple @ Oct 4 2017, 02:52 PM)
T&C stated 80%.

I've BT 90% of my CL last month.
*
80% OF AVAILABLE balance not CL.

Say CL is 10000.
1st BT 80% of 10000 is 8000
Assuming available balance is 2000(no other spend), then get 2nd BT, 80% of 2000 is 1600, now left with available balance of 400.
So u have used up 9600, which 96% of CL.
Is my understanding correct?
wufei
post Oct 4 2017, 04:11 PM

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QUOTE(paogeh @ Oct 4 2017, 02:44 PM)
Thank you so much for the SWIFT REPLY.

Currently i have MBB BT-0%,
and now applying PBB BT-0% .

any suggestion which next BT should i consider to get ?
*Using the BT to put in FD/house loan/ASNB
*
Can I know MBB BT-0% - any info?
laymank
post Oct 4 2017, 04:21 PM

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QUOTE(wufei @ Oct 4 2017, 04:11 PM)
Can I know MBB BT-0% - any info?
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http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions
rapple
post Oct 4 2017, 04:31 PM

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QUOTE(MGM @ Oct 4 2017, 04:07 PM)
80% OF AVAILABLE balance not CL.

Say CL is 10000.
1st BT 80% of 10000 is 8000
Assuming available balance is 2000(no other spend), then get 2nd BT, 80% of 2000 is 1600, now left with available balance of 400.
So u have used up 9600, which 96% of CL.
Is my understanding correct?
*
Just one BT - CL RM10,000 @ 90% = 9k


wufei
post Oct 4 2017, 05:43 PM

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QUOTE(laymank @ Oct 4 2017, 04:21 PM)
Thanks fort the quick response
minde
post Oct 4 2017, 06:19 PM

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Hi,

To do the balance transfer, must the balance in the other credit card be reflected in the statement? Mine's currently unbilled (outstanding)....

Tried to do a BT but was rejected... however i'm only at 10% of my credit limit.
cybpsych
post Oct 4 2017, 06:33 PM

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QUOTE(minde @ Oct 4 2017, 06:19 PM)
Hi,

To do the balance transfer, must the balance in the other credit card be reflected in the statement? Mine's currently unbilled (outstanding)....

Tried to do a BT but was rejected... however i'm only at 10% of my credit limit.
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again, next time tell where you perform BT or what bank.

i assume u mean M2U BT? if it was rejected, how does it even know your cc balance? fyi, the rejection is based on specific rules and you didnt qualify it.

resubmit again via form so that human can assess.
minde
post Oct 4 2017, 06:36 PM

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QUOTE(cybpsych @ Oct 4 2017, 06:33 PM)
again, next time tell where you perform BT or what bank.

i assume u mean M2U BT? if it was rejected, how does it even know your cc balance? fyi, the rejection is based on specific rules and you didnt qualify it.

resubmit again via form so that human can assess.
*
sorry overlooked it...M2U BT on Citibank Credit Card
chonghe
post Oct 4 2017, 09:50 PM

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Saw that PBBank early settlement got charge RM100
so let's say BT 6k, i.e., 1k per month
let's say second month I suddenly transfer 5k to my PBB cc then the 5k auto pay off BT hence I will get charged RM100?
mamamia
post Oct 4 2017, 10:13 PM

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QUOTE(chonghe @ Oct 4 2017, 09:50 PM)
Saw that PBBank early settlement got charge RM100
so let's say BT 6k, i.e., 1k per month
let's say second month I suddenly transfer 5k to my PBB cc then the 5k auto pay off BT hence I will get charged RM100?
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No, it won’t auto pay to ur BT, early settlement need to request manually..

The excess payment will shown as credit balance in ur acc
tbheng
post Oct 5 2017, 08:32 AM

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QUOTE(paogeh @ Oct 4 2017, 01:48 PM)
Thanks for the FAST reply,

Since i get RM30K CL IN PBB cards,

what;s the MAX i can apply BT ? Thank you so much
*
QUOTE(rapple @ Oct 4 2017, 02:52 PM)
T&C stated 80%.

I've BT 90% of my CL last month.
*
QUOTE(MGM @ Oct 4 2017, 04:07 PM)
80% OF AVAILABLE balance not CL.

Say CL is 10000.
1st BT 80% of 10000 is 8000
Assuming available balance is 2000(no other spend), then get 2nd BT, 80% of 2000 is 1600, now left with available balance of 400.
So u have used up 9600, which 96% of CL.
Is my understanding correct?
*
Just to share... I applied PBB BT every month and able to use upto 100% CL and still able to swipe until 105% of CL. Got rejected at online swipe when cross 105% CL, I pay my pbvs some amount instantly to bring down a little below 105% and I can resume my online swipes. smile.gif

Try at your own risk.
reeve-826
post Oct 5 2017, 10:09 AM

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Apply BT via maybank2u require to provide credit card statement?

I plan to apply this for settlement of my other bank BT, but it won't show how much total settlement required in following statement, thought will be great if maybank2u BT don't require cc statement.

The last choice, if screenshot the page online on total outstanding, acceptable?

Anyone can advise ? smile.gif

This post has been edited by reeve-826: Oct 5 2017, 10:14 AM

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