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

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SzeMeng76
post Oct 2 2017, 02:32 PM

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QUOTE(solsekuin44 @ Oct 2 2017, 02:08 PM)
If I do balance transfer of let's say the Maybank card to bank X card, can I still use it?
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Yes of course. As long as you still available limit.
SzeMeng76
post Oct 3 2017, 01:01 PM

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QUOTE(cybpsych @ Oct 3 2017, 12:53 PM)
read previous posts. supposedly for selected ppl.

sendohz just trying his luck smile.gif
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I tried. almost 2 weeks no sound/feedback.
Should really for selected customer which received the promo sms. sweat.gif
SzeMeng76
post Oct 5 2017, 10:26 AM

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QUOTE(reeve-826 @ Oct 5 2017, 10:09 AM)
Apply BT via maybank2u require to provide credit card statement?

I plan to apply this for settlement of my other bank BT, but it won't show how much total settlement required in following statement, thought will be great if maybank2u BT don't require cc statement.

The last choice, if screenshot the page online on total outstanding, acceptable?

Anyone can advise ? smile.gif
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Apply thru M2u no need statement. Just key in card details and amount will do.
SzeMeng76
post Oct 5 2017, 11:43 AM

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QUOTE(reeve-826 @ Oct 5 2017, 10:41 AM)
Which mean they will just proceed for approval and will no further request statement from us? I thought this way too.

I applied early of this year via maybank2u, when I called customer service to asked status. They request statement from me. No sure am I the special case 😕
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No. I applied several times already.
Normally on the spot received the email telling "Approved in Principle".
Then the next day will receive approval SMS.
The next day again will receive funds from MBB to others bank.
Pretty fast.
SzeMeng76
post Oct 11 2017, 01:31 PM

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QUOTE(tifosi @ Oct 11 2017, 11:20 AM)
Is this a question or statement? AFAIK, Younique doesn't have 0% BT.
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QUOTE(paogeh @ Oct 11 2017, 01:24 PM)
I read in Alliance bank, there's 0% BT , this would apply to all Alliance credit card.
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think is referring to this
http://www.alliancebank.com.my/EnjoyBalanc...rwithCreditCard


Enjoy 0% Balance Transfer with your new Credit Card!


Enjoy 0% INTEREST RATE for up to 6 months*
with Balance Transfer Flexi 6-Month Plan.

*Applicable to New-To-Bank Cardmembers with a minimum transfer of RM3,000 only.

Campaign Period: 10 February 2017 - 31 December 2017
SzeMeng76
post Oct 23 2017, 03:20 PM

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QUOTE(paogeh @ Oct 23 2017, 02:59 PM)
I just found out,
MANY BANKS offer 0% BT for new customer,
but this offer only 1 time, after the 0%BT ended ,  new BT got interest apply.
With this, for BT hunters, need to constantly cut OLD cards+ wait 6 months to qualify as new customers !

Any good advice to continue enjoy 0% BT ? Thanks
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Keep those card always got 0% BT for existing customer.
Eg : Aeon / PBB / MBB (as I know)
SzeMeng76
post Oct 24 2017, 11:18 AM

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QUOTE(paogeh @ Oct 24 2017, 10:26 AM)
Thanks !

Keeping MBB/PBB/AEON  for the forever 0%BT .

Then, another question pop up my mind,

Lets say each banks above, u keep ONE CARD each with 20K CL .
total BT can play with = RM60K .....

In order to increase the CL,
can we increase the number of cards?
Eg , apply another 1--2 cards are MBB , etc ?
Another questions i still confuse,
some expert mentioned they do revolving BT with these 3 banks, so they dun have to fork out any $.
But lets say u do RM12K each for 6 months  , installment RM2K/month
Month1 , MBB owe RM12K
Month2 , PBB owe RM12k ,  RM2K go to MBB
Month3, AEON owe RM12K, RM2K go to MBB //RM2K go to PBB
Month4,  No more banks, but still need to pay RM2K for each MBB/PBB/AEON  ????? I'm lost at month4 onwards .....
could any expert advise ???
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For the increase CL, no, no matter how many cards u using, they will sharing same CL, unless you submit new income documents to apply CL increase (make sure your income do increasing too)

month 4 onwards will be each bank 2k/mth instalment until you clear off the BT amount lo.
SzeMeng76
post Oct 24 2017, 02:38 PM

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QUOTE(paogeh @ Oct 24 2017, 02:35 PM)
Thanks,
meaning , MBB i have a card that have 20K CL,
so if i ask for another card,
2 card = 20K CL ??
and not 2 card = 20k +20k ??
yes ,
month4 , each bank pay 2k ......i though the expert would do revolving BT ?
so month4, apply new BT from MBB ? so that no need to pay the 6k installment ?
Thank you so much !~
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yes even 4 cards also 20k CL.
for BT, yes you can if you still have enough BT to apply.
SzeMeng76
post Nov 2 2017, 05:40 PM

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QUOTE(chinti @ Nov 2 2017, 04:58 PM)
so i applied for maybank cc coz wanna do BT but application rejected. any other bank to recommend for 0% interest BT for 12 months? currently on HLB
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try Ambank. Got 0% 12 mths BT for newly approved customer.
U may check their TnC here
https://www.ambank.com.my/eng/deals-page/Ap...pendAndGetPart2
Other bank got too, but I guess only 6 mths. (Eg : CIMB / OCBC)
SzeMeng76
post Nov 3 2017, 10:12 AM

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QUOTE(??!! @ Nov 3 2017, 10:04 AM)
Just curious why the BT and spend XXX for free gift on same promo page.
BT also get free gift?

Anyone knows if AM Bank BT need proof of outstanding bill from other banks' credit card to apply for BT?
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Not sure bt also as qualifying spend for free gift. U may call CS for confirmation. For BT, no need bill, just call them, and tell them card number and amount to transfer, do phone verification. That's all.
SzeMeng76
post Nov 3 2017, 05:59 PM

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QUOTE(paogeh @ Nov 3 2017, 05:45 PM)
sorry u mean , we can walk in any airport lounge to enjoy buffet meal with cards that have  free lounge ?
Noted.
By the way, what is OT?  Thanks
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OT = out of topic.
Lounge thread > https://forum.lowyat.net/topic/4018832
Kindly discuss on the correct thread.
SzeMeng76
post Nov 18 2017, 09:36 AM

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QUOTE(leo_kiatez @ Nov 18 2017, 08:58 AM)
Need to upload any documents?
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No. Only key in credit card number and amount.
SzeMeng76
post Nov 19 2017, 10:50 PM

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QUOTE(terence_say @ Nov 19 2017, 10:40 PM)
is there any 0% promotion ongoing for HLB cash transfer? (transfer to bank account directly, not BT)

I just get my card 2 weeks ago dint see receive any call or sms so far
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0% 3 months BT. HLB BT always is transfer savings accounts. I applied few times.
SzeMeng76
post Nov 19 2017, 11:52 PM

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QUOTE(terence_say @ Nov 19 2017, 11:14 PM)
Thanks for the info
Possible to call and apply? Or is selected customer only?
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Not sure. I call and ask any promo for BT now. The CS told me and I'm agree, and just apply through phone verification.
SzeMeng76
post Nov 21 2017, 06:17 PM

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QUOTE(bluebay @ Nov 21 2017, 03:58 PM)
Hi guys..sorry if this question been asked before..
for balance transfer to mbb credit card.. let's say I applied 2k for 12 months tenure.. with the current promotion..  means I only pay for the 2k over 12 months period ONTIME without any upfront fee or processing fee? No other hidden charge?
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Yes. with zero charges. Every month pay RM 166.67 x 12.
SzeMeng76
post Nov 22 2017, 12:23 PM

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QUOTE(sms2u @ Nov 22 2017, 12:18 PM)
BT no from credit card to credit card?
What T&C for promotion 0% 3 months BT? only new to bank customer?
What phone no u call? u got BT 0%? how many month of BT?
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No. I just say I want apply balance transfer, they did not even get my other credit card number, just transfer the BT amount to my savings. No I'm not new to bank customer, I think applied to all.
I login Hong Leong Connect, Live Chat with them, left my contact number, they call back after 1 day.
3 months BT for 0%.

This post has been edited by SzeMeng76: Nov 22 2017, 12:23 PM
SzeMeng76
post Nov 22 2017, 03:51 PM

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QUOTE(ckweng @ Nov 22 2017, 01:38 PM)
For latest M2U 0% BT promo, is the waiver of upfront fee guaranteed? I realised that in the previous campaign, there's a fixed quota for fee waivers but there is no mention in the current one.
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QUOTE(fruitie @ Nov 22 2017, 03:39 PM)
Promo until 31st March 2018, I doubt it is finished by now.
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I think the latest MBB BT is different from last one which

"Upfront fee of 3% for Balance Transfer 0% 12 months is WAIVED during the Campaign period".
SzeMeng76
post Nov 22 2017, 11:30 PM

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QUOTE(terence_say @ Nov 22 2017, 11:22 PM)
Did they create a separate account for you on this BT? is the account number also 16 digit like credit card number?

I heard HLB bt come with a penalty if you do an early settlement, did cs told you this?

Planning to do a HLB 3 months BT transfer to saving account, and proceed with Maybank 0% BT for 12 months to pay off the HLB BT, making the whole BT become 12 months 0% with cash in saving account.
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Yes a separate accounts.
Yes did know about the BT expiry date, this is not the first time I apply HLB BT,
need to call CS to confirm your last instalment expiry date before make payment.
But I did heard that MBB BT cannot BT to the BT account, only credit card account, u may have try.
So far all my MBB BT approved only with credit card accounts,
so far I did not use BT settle BT.
SzeMeng76
post Nov 24 2017, 09:51 AM

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QUOTE(ngaisteve1 @ Nov 24 2017, 09:12 AM)
Got link?
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QUOTE(realitec @ Nov 24 2017, 09:24 AM)
https://www.hlb.com.my/en/personal-banking/...e-transfer.html

Wonder why there is not showing in the website. I got mine by call. But BT has done to me.
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Not showing on website. I got mine by call to CS ask, also done so quickly.
SzeMeng76
post Nov 24 2017, 10:36 AM

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QUOTE(realitec @ Nov 24 2017, 10:07 AM)
Thanks for confirming smile.gif Wonder when is the promotion ends. As they just tell verbally on phone.
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Ya didn't know too. I have same procedure with u. Wait the tenure ended, perhaps go ask again. Hehe

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