ok...i plan to BT around 10K for the period of 6 to 12 months. which is the best? AEON? BSN? others?
Credit Cards Balance Transfer (BT) Plans V4 - Banks Offer List, Credit card debt consolidation
Credit Cards Balance Transfer (BT) Plans V4 - Banks Offer List, Credit card debt consolidation
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Apr 13 2016, 03:54 AM
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Junior Member
26 posts Joined: Sep 2006 |
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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Apr 13 2016, 12:20 PM
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Senior Member
1,458 posts Joined: Feb 2009 |
Hpw you guys normally apply for BT ?
Fax or manually mail through pos office ? |
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Apr 13 2016, 12:50 PM
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Senior Member
4,217 posts Joined: Apr 2011 |
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. |
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Apr 13 2016, 12:51 PM
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Senior Member
4,217 posts Joined: Apr 2011 |
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Apr 13 2016, 01:43 PM
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Senior Member
1,458 posts Joined: Feb 2009 |
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 |
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Apr 13 2016, 01:49 PM
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Senior Member
4,217 posts Joined: Apr 2011 |
QUOTE(busyman @ Apr 13 2016, 01:43 PM) After a quick read about the Maybank BT T&C, have some question about it. I did one before and it was an evenly distributed amount to pay monthly.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 but there are new promotions from time to time that may have different terms and conditions. |
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Apr 13 2016, 03:26 PM
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Junior Member
194 posts Joined: May 2013 |
Applied AEON Credit Card dy, now proceed my application. Hopefully manage to get BT before next month.
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Apr 13 2016, 07:45 PM
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Junior Member
26 posts Joined: Sep 2006 |
QUOTE(laymank @ Apr 13 2016, 01:50 PM) that depends on which bank card you have right? 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.Personally, BT to PBB and AM is quite easy. PBB - fill up a form, no statement , email and done. AMBank - one phone call away. |
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Apr 13 2016, 09:26 PM
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Junior Member
194 posts Joined: May 2013 |
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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Apr 13 2016, 09:36 PM
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Senior Member
2,392 posts Joined: Dec 2009 |
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Apr 13 2016, 09:37 PM
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Senior Member
2,392 posts Joined: Dec 2009 |
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Apr 13 2016, 10:12 PM
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Junior Member
194 posts Joined: May 2013 |
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Apr 13 2016, 10:13 PM
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Senior Member
2,392 posts Joined: Dec 2009 |
QUOTE(JustForCheonging @ Apr 13 2016, 10:12 PM) Is it the maximum BT value subject to credit limit of the card? Normally 80% of available limitFor 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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Apr 13 2016, 10:16 PM
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Junior Member
194 posts Joined: May 2013 |
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Apr 14 2016, 01:00 PM
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Senior Member
4,217 posts Joined: Apr 2011 |
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. 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. |
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Apr 14 2016, 03:04 PM
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Junior Member
50 posts Joined: Nov 2011 |
if outstanding v maybank is 10k but my pbb credit limit is 30k , how many bt i can do?
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Apr 15 2016, 12:19 PM
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Senior Member
4,274 posts Joined: Nov 2004 From: Shadow Striker |
» Click to show Spoiler - click again to hide... « 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? |
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Apr 15 2016, 12:55 PM
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Senior Member
2,392 posts Joined: Dec 2009 |
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Apr 15 2016, 01:54 PM
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Junior Member
31 posts Joined: Sep 2011 |
QUOTE(laymank @ Apr 14 2016, 01:00 PM) You might want to consider cards that offer you more than just BT. 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 assistAeon Gold cards offers you free plaza premium lounge access + 6 months interest free BT. Likewise a few other cards. |
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Apr 15 2016, 01:56 PM
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Junior Member
31 posts Joined: Sep 2011 |
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