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

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jmZ
post Apr 13 2016, 03:54 AM

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ok...i plan to BT around 10K for the period of 6 to 12 months. which is the best? AEON? BSN? others?
busyman
post Apr 13 2016, 12:20 PM

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Hpw you guys normally apply for BT ?

Fax or manually mail through pos office ?


laymank
post Apr 13 2016, 12:50 PM

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QUOTE(jmZ @ Apr 13 2016, 03:54 AM)
ok...i plan to BT around 10K for the period of 6 to 12 months. which is the best? AEON? BSN? others?
*
that depends on which bank card you have right?

Personally, BT to PBB and AM is quite easy.
PBB - fill up a form, no statement , email and done.

AMBank - one phone call away.
laymank
post Apr 13 2016, 12:51 PM

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QUOTE(busyman @ Apr 13 2016, 12:20 PM)
Hpw you guys normally apply for BT ?

Fax or manually mail through pos office ?
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Depending on which bank. See my previous reply.
busyman
post Apr 13 2016, 01:43 PM

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After a quick read about the Maybank BT T&C, have some question about it.

I'm interested with either the 6 months plan with 0.5%pm or 12 months plan with 0% interest(but 3% one time fee)

My questions are as below:

- for 6 months plan, new account will be open, does it mean that if we swipe the card within the 6 months, no interest will be impose(mean we will have the same 20 days interest free cycle like normally?)

- reducing balance BT? Said we do a 5K BT, so if we pay 0.5% interest monthly(reducing balance method), the interest will be less than the one time 3% fee on 12 months plan. right?

- according to the T&C, we need to pay min 5% monthly. so can we like pay 5% for the 1st 5 months, then settle the rest on the last month? or need to pay equally every month?

Anyone tried Maybank BT before please shed some light

Tq smile.gif
laymank
post Apr 13 2016, 01:49 PM

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QUOTE(busyman @ Apr 13 2016, 01:43 PM)
After a quick read about the Maybank BT T&C, have some question about it.

I'm interested with either the 6 months plan with 0.5%pm or 12 months plan with 0% interest(but 3% one time fee)

My questions are as below:

- for 6 months plan, new account will be open, does it mean that if we swipe the card within the 6 months, no interest will be impose(mean we will have the same 20 days interest free cycle like normally?)

- reducing balance BT? Said we do a 5K BT, so if we pay 0.5% interest monthly(reducing balance method), the interest will be less than the one time 3% fee on 12 months plan. right?

- according to the T&C, we need to pay min 5% monthly. so can we like pay 5% for the 1st 5 months, then settle the rest on the last month? or need to pay equally every month?

Anyone tried Maybank BT before please shed some light

Tq smile.gif
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I did one before and it was an evenly distributed amount to pay monthly.
but there are new promotions from time to time that may have different terms and conditions.
JustForCheonging
post Apr 13 2016, 03:26 PM

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Applied AEON Credit Card dy, now proceed my application. Hopefully manage to get BT before next month.
jmZ
post Apr 13 2016, 07:45 PM

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QUOTE(laymank @ Apr 13 2016, 01:50 PM)
that depends on which bank card you have right?

Personally, BT to PBB and AM is quite easy.
PBB - fill up a form, no statement , email and done.

AMBank - one phone call away.
*
Actually dont have any cards from those banks. I have standard chartered but it i think its high interest. So either way i need to apply the card first right? i am looking for just a BT card.
JustForCheonging
post Apr 13 2016, 09:26 PM

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Hi I have another question for BT (i have no experience whatsoever), only 1 CC debts can do BT or i can do multiple BT with other cards (into single account)?
TSbrotan
post Apr 13 2016, 09:36 PM

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QUOTE(jmZ @ Apr 13 2016, 03:54 AM)
ok...i plan to BT around 10K for the period of 6 to 12 months. which is the best? AEON? BSN? others?
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Check post 1
TSbrotan
post Apr 13 2016, 09:37 PM

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QUOTE(JustForCheonging @ Apr 13 2016, 09:26 PM)
Hi I have another question for BT (i have no experience whatsoever), only 1 CC debts can do BT or i can do multiple BT with other cards (into single account)?
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Multiple
JustForCheonging
post Apr 13 2016, 10:12 PM

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QUOTE(brotan @ Apr 13 2016, 09:37 PM)
Multiple
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Is it the maximum BT value subject to credit limit of the card?

For instance, I have RM10k MBB and RM10k PBB debts, I wish to use BSN for BT transfer (only 15k credit limit), so i can only get RM10k MBB & RM5k PBB of BT? Sorry really newbie on this.
TSbrotan
post Apr 13 2016, 10:13 PM

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QUOTE(JustForCheonging @ Apr 13 2016, 10:12 PM)
Is it the maximum BT value subject to credit limit of the card?

For instance, I have  RM10k MBB and RM10k PBB debts, I wish to use BSN for BT transfer (only 15k credit limit), so i can only get RM10k MBB & RM5k PBB of BT? Sorry really newbie on this.
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Normally 80% of available limit
JustForCheonging
post Apr 13 2016, 10:16 PM

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QUOTE(brotan @ Apr 13 2016, 10:13 PM)
Normally 80% of available limit
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thanks bro, appreciate ur help. rclxms.gif rclxms.gif

Now instead of applying AEON, i have another 2 cards in my apply list which is PBB & BSN. Try to roll out as much cash as possible with lowest interest rate. biggrin.gif
laymank
post Apr 14 2016, 01:00 PM

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QUOTE(jmZ @ Apr 13 2016, 07:45 PM)
Actually dont have any cards from those banks. I have standard chartered but it i think its high interest. So either way i need to apply the card first right? i am looking for just a BT card.
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You might want to consider cards that offer you more than just BT.

Aeon Gold cards offers you free plaza premium lounge access + 6 months interest free BT.
Likewise a few other cards.
kfchong79
post Apr 14 2016, 03:04 PM

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if outstanding v maybank is 10k but my pbb credit limit is 30k , how many bt i can do?
Petre
post Apr 15 2016, 12:19 PM

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hi guys

need to know whether these are worthy deals

it says 8.99% per annum or 16.41% or 16.23% effective interest

means, if BT 10k, just multiply with 16.41 or 16.23% will get the total cost

is this correct?
TSbrotan
post Apr 15 2016, 12:55 PM

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QUOTE(Petre @ Apr 15 2016, 12:19 PM)
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hi guys

need to know whether these are worthy deals

it says 8.99% per annum or 16.41% or 16.23% effective interest

means, if BT 10k, just multiply with 16.41 or 16.23% will get the total cost

is this correct?
*
not worth
andylxj88
post Apr 15 2016, 01:54 PM

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QUOTE(laymank @ Apr 14 2016, 01:00 PM)
You might want to consider cards that offer you more than just BT.

Aeon Gold cards offers you free plaza premium lounge access + 6 months interest free BT.
Likewise a few other cards.
*
maybe can try uob as well if u looking for bt . 0 percent for half a year, 1 percent for one year. pm if u need for assist
andylxj88
post Apr 15 2016, 01:56 PM

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QUOTE(brotan @ Apr 13 2016, 09:36 PM)
Check post 1
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if not using uob credit card , maybe can try as well as approval rate higher , 0 percent half year and 1 percent for one year . if need assist just pm me =).

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