guys, why not apply for pbb? you get 1% charge for BT straight away

no need so much hassle like mbb need to wait for rebate

This post has been edited by brotan: Aug 22 2016, 02:36 PM

either do not have pbb cc or may be fully utilized credit limit?

hi.

Newbie here. My question, which bank is suitable for me to do a BT of RM15k from Public Bank (PBB). Would like to do a 24/36 months term BT. Can anyone suggest me a good bank.

check post no 1

Submitted BT form through MBB Card center at 1U shopping mall.

Received SMS that my BT has approved, took 2 working day to be approved

question about mbb bt promo.

1) if my mbb credit limit is RM10k, how much can i bt from other banks?

80% of RM10k = RM8k max?

2) i have an upcoming renovation and appliances purchase. total would be rm14k.

can i temporary increase credit limit, and then request BT?

thanks.

1. check faq on post no 1
2. you have to ask your bank for that

Any Bank offer 0% BT at the moment?

did you read Post#1?

I currently have 50k with HLB... I wishes to clear this up so I can charge another 50k on it....

SO either I BT it to a ZERO cost card.. or I just pay it off. Ofcourse I prefer to BT it cause it will save me a little here and there compared to paying lump sum.

WOuld appreciate if anyone knows any real ZERO cost BT available from the following cards...

CIMB - World
AmBank - Infinite
Maybank - Master + Amex
PBB - Sig

Thanks!

errrr, post #1?

I looks thru, seems only PBB.. but abit outdated it was 2014?

brotan didnt update it

PBB's here


if your upcoming RM50k charge is in one transaction by a merchant, then can try PBB's Flexipay

This post has been edited by cybpsych: Aug 29 2016, 04:26 PM

Thanks!

The Flexipay I cannot use cause I'm charging the sum to HLB's Fortune card to get the $1800 cash back...

So left the BT. If I read your link correctly.. the BT 6 months for 6K and above is zero fee... no hidden cost/processing fee etc? This means I have 6 months to clear the 50k? Meaning I can wait until the last month then only dump total sum in?

bt doesnt work that way.

50k bt = 6 equal split/portion charged to PBB statement for 6 months (i.e. 6 months x RM8,333)

Oh okok.. sorry first time do BT

then its also doable.. still better then me paying it off immediately and gaining nothing.

No other hidden admin/paperwork/gst cost?

Now if there is another bank with BT then I can BT my 2nd 50k as well... feelign like a cheapskate

Wow.. this clause..

"Early Settlement Penalty of RM100 will be charged if the Cardmember terminates or discontinues the programme by making full payment for the Approved Balance
or such outstanding thereof prior to the expiry date of the credit scheme duration. (Public Bank Credit Cards only)."

Early settlement also cannot!

This post has been edited by MeToo: Aug 29 2016, 05:01 PM

u can bt all you want, but of course subject to fee (if any) or credit limit (about 80% of available limit) or approval.

for a 50k bt, your available CL should be at least 63k (without any outstanding).

pbb's so far 6months without any fee, and without the need for statement too.

Thanks for your input!

My PBB cannot tahan 2 50k BT.... mana ada cukup limit

Oh 1 last question... would it be faster to fax in the form or just drop by their branch? Usually what's the lead time with regards to BT?

check the BT form (page 1 footnote). i think email also can.

usually few days to get approved and transfer money.

This post has been edited by cybpsych: Aug 29 2016, 05:48 PM