If I get his question correctly, he meant to ask if his BT was rejected, would it affect his credit rating. And answer to it is no.

hi,

anyone know how long does it usually take for manual approval of maybank BT? submitted the application form via fax earlier.

Maybank BT on Citibank credit card.

This post has been edited by minde: Oct 6 2017, 04:41 PM

don't think got such limit.
perhaps you can find out and share.

I hold more than 7 diff banks credit cards. With some banks multiple cards sharing same credit line so over 10 cards. So yes, get more cards from more banks so u can use your BT around. But to effectively get the most benefit out from BT is to have a decent Credit Limit (CL) for every bank.

Yes, some banks would still reject your application and no good reason is given. Even with almost similar income range, say 2014, 2015, 2016 declare exactly 120k per year, every year when I request for Credit Limit (CL) increase Will Still Get it.

1. I believe they see more on EPF / Form B/BE rather than additional income statements

2. Nope, unless u go and pledge to get a credit card but does not mean u get high CL.

3. Nope

4. Nope

But this is my own experience and every bank differs. No one ask me for FD/Stocks/Unit trusts before. Ever.

PB Balance Transfer with Gift Programme [ PBB | T&Cs and Form ]
5 October 2017 - 31 January 2018

36-month plan at 8% interest rate. No thanks.

looks like the interested charge 8% is more than the value of free gift.

For 0% BT promotion, is it possible for TS to update it in 1st post and stated promotion period + website link?

Maybe can divide into 2 categories.
1. 0% BT Promo for new card members

2. 0% BT Promo for existing card members


Just my 2 cents so that the thread is even more informative.

https://www.sc.com/my/promotions.html

Curious why previously not much talk (if not totally no talk at all) about SCB 0% BT... only realized it existed today... (ended liao)...

(Edited - found the answer)
Thanks

This post has been edited by hurtedheart: Oct 8 2017, 01:27 PM

I'm trying to understand the above benefits we get by doing so:
1) 'gain' higher available CL (7k extra from 5k) to enable BT approval by MBB, in order 'fund' for the other bank's credit card spending
2) 'gain' 0% BT for the 7k over the 12 months which one is actually not entitled for base on his available CL but he deserves it by playing a trick to deposit cash into his credit card account.
Anymore that I miss out? 😝

Want to ask ,
I managed to get RM24K BT from PBB to Maybank ,
and it's in Maybank CC now
and PBB charged RM4K for 1st installement,


Since >10k , i want to write in to Maybank to tranfers the 24k to CASA
how do i show statement or proof from public bank ?
This is new card, no statement yet
Only showed 1 transaction , 4K installment

Please advice , how to get the 24K out fast ? Thank you very much

Just now call MBB CS, for the RM24K,

do it through phone, no need write in
would take 8 working days to transfer to CASA

however, the CS did ask for reasons for the excess fund in cc.

And what reason did u give them?

I said , this is mistake , suppose to BT to other bank,
the CS didnt ask much

anyway,
since i plan to do BT from other bank to MBB,
what;s the best reason/excuse to use ?

Other bank that easy to tranfer from credit card to CASA? Thanks

Previously it was easy with MBB, PBB, UOB but I have not done this for quite sometime.

I've never BT more than 10k..

I tell them the truth through the M2U message / email - "Overpaid from a PBB BT to my MBB Visa Card xxxx amounted to RM10k, please refund to my MBB saving account xxxxx .. Thank you."

Every time will refund within 5 working days.

I've done 50k before no questions asked .
This round did a 100k . They asked source of fund.

I never use excuses. Just tell them the truth.
Told them another bank want give me free use of money, so I just took the offer.

MBB, OCBC, Alliance Bank

OCBC & Alliance got 0% BT?

NO.

Sorry for not being clear. The above is in response to below Q:-