Nope... I no invite.. The link share by friends and I just try... Grab  opportunity else thr fund run out

ok. deposit 20k into the PBB card, with that your available limit will be 27k
then BT the 5k MBB FIRST, and swipe the 21k PTPTN for 6mth flexipay.

with that, you will have some savings left, and also u will not need to pay anything to PBB for few mths as you have a credit of 20k, each month will deduct around 4.5k.

Hi guys, i have a credit limit of 10k and have applied 8k from PBB 12 mths 0% BT (80%). Can I apply another BT of same amount? Sorry for asking noob question..

25k accumulated from BT and one-off 0% cash out across 2-3 months, AKPK also start calling me already. no missed payments.

For me, no. After spreading into 6/12 months installments (of course, the public bank one), lagi no. I just told them those are 0% offered by banks and no problem paying, and they said goodbye. heh.

wahh only 50% above me? I thought you guys play until 6 figures, the more the merrier. that day littleflower also one off bomb almost 50k.

maybe something triggered since I've been doing BT via public bank each month. mostly 2k each, not the 5 figures type.

Let bankers calculate first, don't go and rush to clear your BT.

shit i too early apply

8% p.a. For 36 months comes To total 24% interest (8% x 3)

Totally not worth it

I used to print "current view" to have a bigger space for me to write (no issue for past few rounds).
Will reprint "0%" to try again.

you just tell tham it was BT? and they straight approve? or give other excuse why over transfered to CC?

enlighten me with your knowledge please. we learn new things everyday.

guys is it advisable or possible for me to get another credit card to do balance transfer (maybank current 0% 12mth installment with 1-time of 3% of service fees)

I belong to the lowest tier group of min rm24k income per annum, has maybank 2 gold cards, not tied to any loan, except PTPTN, have no late records for payment of cc n PTPTN

Personally, for me, current maybank cc is sufficient for my usage already, but i need around rm4k to pay my exam fee (it is outside my plan due to sudden company restructure as i planned to take it next year, but now have to take this year, so Im now lack of buffering cash to pay it coz i already put my savings in investment, i mean the worst case scenario, i could pull part of them out to pay my exam fee, but im trying to look for better option)

therefore, im eyeing on the CIMB Cash Rebate Platinum Credit Card which has 0 annual fee n min rm24k income per annum, so is it possible for me to successfully apply? if possible, then can I just let it to sit there without any swipe after the balance trasnfer? will it tarnish my credit score?

am in need 20k fast cash. currently have maybank cc with 3k credit limit. every month i pay atleast 1k to 3k but everytime also maxed out cos use that card to pay bills.

now need 20k urgently so thinking to apply new cc with 20k credit limit and do cash withdrawal. what i know the charge is 5%. is there any other way to waive this 5%? i read about cash advance program and not completely understand it. i also plan to do balance transfer to other bank to get 0% balance transfer rate.

can someone advice on bank, promotion and so on. and best way to get my 20k without much charges. btw i can repay about 1500 permonth and i only looking for islamic card.

my salary is rm6k/mo and rm3k/mo from business gross.

got free cc when getting loan for my car in 2011. 3k by default n never increase the limit. its family matter and actually im asking on behalf of my wife. her day job gross her 6.3k a month and side income 3-4k. last year her total income 141k. tbh we dont want personal loan becos wr can pay back all 20k in 2-3 months. if personal loan we will lose much more. becos of commitment she cant apply for 2years installment only 5years and we have to pay 27k in total

That's not correct.

FD - 4% > This is flat rate calculation
BT 3% Upfront fee > This is also flat rate calculation

For example ,

if you put RM10K into FD with 4% per annum
RM10K X 4%= RM400

If Maybank BT with 3% upfront fee (note: is not reducing balance/ effective)
RM10k x 3% = RM300

Both also flat rate calculation and by putting money into FD will earn extra 1% if compare to Maybank BT

yes agree... my assumption is I have additional funds to pay the BT monthly

I don't mean it's anything unusual.  Just that in my daughter's case, she was new to Affin, in fact new to credit card, was given a credit limit of RM4,000 so the promo becomes nothing useful.

She has supp card under me

That's what i've been doing with BT to get ahead.. I take the small BT interest hit, but in return, the additional cashflow that I gain, I use the money to play stocks or downpayment on property. So I come out ahead.