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

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sj0217
post Nov 11 2017, 09:29 PM

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QUOTE(tifosi @ Nov 11 2017, 07:01 PM)
Went through this thread but found various answer on when to pay the last part of HLB BT. I still don't know should I pay on the expiry date or the day after.

Don't wanna kena on the early settlement fees.
*
My HL BT was just ended on 1 Nov 2017

As per previous discussion, should pay the day after which is on 2 Nov 2017

I noticed the account for BT is disappear from my online banking after few days
extinct_83
post Nov 12 2017, 12:40 PM

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QUOTE(tifosi @ Nov 11 2017, 08:01 PM)
Went through this thread but found various answer on when to pay the last part of HLB BT. I still don't know should I pay on the expiry date or the day after.

Don't wanna kena on the early settlement fees.
*
I had BT 6 months 0% interest with HLB before this. I was given a separate account number from my CC no. I paid monthly a day after the statement date - no charges was incurred.
extinct_83
post Nov 12 2017, 12:41 PM

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QUOTE(sj0217 @ Nov 11 2017, 10:29 PM)
My HL BT was just ended on 1 Nov 2017

As per previous discussion, should pay the day after which is on 2 Nov 2017

I noticed the account for BT is disappear from my online banking after few days
*
Yes - I experienced the same too.
sendohz
post Nov 13 2017, 08:50 AM

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QUOTE(sj0217 @ Nov 11 2017, 09:29 PM)
My HL BT was just ended on 1 Nov 2017

As per previous discussion, should pay the day after which is on 2 Nov 2017

I noticed the account for BT is disappear from my online banking after few days
*
Hope this applies the same for UOB BT as well.
sj0217
post Nov 13 2017, 11:05 AM

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QUOTE(sendohz @ Nov 13 2017, 08:50 AM)
Hope this applies the same for UOB BT as well.
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UOB BT?

I have experienced UOB BT before too, a separated BT account is created, but I think UOB BT, there is no expired date, and it follow your monthly statement due date if no mistaken

Only HL BT come with expired date
eric84cool
post Nov 13 2017, 11:41 AM

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Surprisingly UOB BT really ease without asking for the CC statement etc and I did BT twice in 2 separate occasion also no problem.

One need to be careful with their repayment condition.
sendohz
post Nov 13 2017, 11:45 AM

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QUOTE(sj0217 @ Nov 13 2017, 11:05 AM)
UOB BT?

I have experienced UOB BT before too, a separated BT account is created, but I think UOB BT, there is no expired date, and it follow your monthly statement due date if no mistaken

Only HL BT come with expired date
*
Ya UOB BT with separate account as well but need to pay based on the BT statement date and not same with CC statement date
Khrlzmn
post Nov 13 2017, 11:55 AM

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QUOTE(sendohz @ Nov 13 2017, 11:45 AM)
Ya UOB BT with separate account as well but need to pay based on the BT statement date and not same with CC statement date
*
UOB BT payment date can adjust?
sendohz
post Nov 13 2017, 12:26 PM

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QUOTE(Khrlzmn @ Nov 13 2017, 11:55 AM)
UOB BT payment date can adjust?
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I doubt it
Khrlzmn
post Nov 13 2017, 12:31 PM

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QUOTE(sendohz @ Nov 13 2017, 12:26 PM)
I doubt it
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usually when is it?
sj0217
post Nov 13 2017, 12:46 PM

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QUOTE(sendohz @ Nov 13 2017, 11:45 AM)
Ya UOB BT with separate account as well but need to pay based on the BT statement date and not same with CC statement date
*
Oh?? But my UOB BT is pay based on credit card statement date, because monthly statement including both credit card and BT together.

Therefore, I only paid one time of total amount to either BT account or credit card account and it will auto divided

Maybe my UOB BT is different hmm.gif
sendohz
post Nov 13 2017, 01:48 PM

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QUOTE(sj0217 @ Nov 13 2017, 12:46 PM)
Oh?? But my UOB BT is pay based on credit card statement date, because monthly statement including both credit card and BT together.

Therefore, I only paid one time of total amount to either BT account or credit card account and it will auto divided

Maybe my UOB BT is different hmm.gif
*
Ooo.
I pay seperately to CC and BT.
paogeh
post Nov 13 2017, 02:10 PM

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Just call UOB ,
for my case BT and CC same date.

and for the last payment of BT , pay before the statement date ,
no early penalty .

sendohz
post Nov 13 2017, 02:25 PM

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QUOTE(paogeh @ Nov 13 2017, 02:10 PM)
Just call UOB ,
for my case BT and CC same date.

and for the last payment of BT , pay before the statement date ,
no early penalty .
*
Pay before? No penalty?
Hmm... hmm.gif

I thought of IBFT on statement date itself for last payment
MilesAndMore
post Nov 14 2017, 11:08 AM

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Anyone else facing error issue on Maybank2u BT application ? It says service is unavailable now ?
psiloveu
post Nov 14 2017, 11:16 AM

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QUOTE(MilesAndMore @ Nov 14 2017, 11:08 AM)
Anyone else facing error issue on Maybank2u BT application ? It says service is unavailable now ?
*
I just applied yesterday, everything looked fine, money transferred into another bank account.

Do u increase temporary CL? I f yes, u cannot perform BT.
psiloveu
post Nov 14 2017, 11:19 AM

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QUOTE(tifosi @ Nov 11 2017, 07:01 PM)
Went through this thread but found various answer on when to pay the last part of HLB BT. I still don't know should I pay on the expiry date or the day after.

Don't wanna kena on the early settlement fees.
*
Example.....Special rate expires on 13 Nov 2017.....u settle it on 14 Nov......no interest charge, no early settlement penalty.
tifosi
post Nov 14 2017, 04:01 PM

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QUOTE(sj0217 @ Nov 11 2017, 09:29 PM)
My HL BT was just ended on 1 Nov 2017

As per previous discussion, should pay the day after which is on 2 Nov 2017

I noticed the account for BT is disappear from my online banking after few days
*
QUOTE(psiloveu @ Nov 14 2017, 11:19 AM)
Example.....Special rate expires on 13 Nov 2017.....u settle it on 14 Nov......no interest charge, no early settlement penalty.
*
Thanks guys biggrin.gif

I did a payment already settling most of it except leaving RM 10. Will pay the balance of RM 10 one day after my expiry date.
MilesAndMore
post Nov 14 2017, 06:48 PM

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QUOTE(psiloveu @ Nov 14 2017, 11:16 AM)
I just applied yesterday, everything looked fine, money transferred into another bank account.

Do u increase temporary CL? I f yes, u cannot perform BT.
*
I found out what the problem was already. It was due to my mom recently upgrading her MBB2 Cards Gold to Platinum. She received her new Platinum credit cards today. Activated the new credit cards. Online BT is working again, but cannot do BT to the old MBB2 Gold MasterCard already even though the credit card is still active.
triple c
post Nov 15 2017, 09:06 AM

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QUOTE(tifosi @ Nov 14 2017, 04:01 PM)
Thanks guys biggrin.gif

I did a payment already settling most of it except leaving RM 10. Will pay the balance of RM 10 one day after my expiry date.
*
According to HLB CS, she said I need to pay on Expiry date. Not a day after Expiry Date. A bit confused now.

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