Why using the card for retail transaction will be charged interest after BT? Is this general in BT or specific to that CC?

This post has been edited by vseries: Sep 8 2016, 08:31 PM

specific to that CC

Thanks. Hope MBB 1% BT promo does not have such condition. Can't find it hope it is not hidden.

I apply bt maybank 1% for 2nd time, all retail no interest, no worry.

anybody manage to transfer funds from pbb cc to casa?

what's casa?

current account / saving account.

Hi sifus, can I check on PBB BT on 6m 0%, can I combine bank A and bank B outstanding amount to hit RM6,000?

Or I can only BT to 1 bank at RM6000 to enjoy the 0% interest?

And anyone of u try to BT to HLB and ask to refund the excess payment?

according to their tnc, 6k per bank

After having Aeon Credit Cards for more than a year, feel like wanna to ultilize their 0% BT.

Called to the customer service and being told that apart from the BT application form, the card statement from other bank which need to do the BT, have to attach with the BT application.

When asking about they take how much time to process the BT, CS said will take about 7 to 14 working days.

My question is, if they can't process on time while the due date is coming. Who is going to responsible for the late payment charge and the interest..

This post has been edited by Alec.Yong: Sep 13 2016, 06:30 PM

Cardholder bear the late payment.. Every BT has such disclaimer..

Any hidden T&C for the 0% BT ?

No, as long as u pay ur statement balance on time.. No hidden charges

or you can pay minimum payment first to avoid arreas in CCRIS

ok gonna try to charge a larger amount to online transaction card then later do a 0% BT to Aeon then gonna use the online transaction card to pay Aeon through posonline

anyway if you are overseas, Aeon CS said you can enter overseas mobile number in the form

This post has been edited by DarReNz: Sep 14 2016, 03:54 PM

That is exactly what I did. But I also did simultaneous BT (apply for large BT with PBB, then use Aeon BT to pay PBB).

well i thought of charging the amount to Aeon CC to get the points and then BT to PBB but doesn't make sense so better do the other way around so can get 4% CB which is obviously better than points equivalent to 0.4% CB

Maybank Balance Transfer 0% p.a 12 months
Maybank | Terms and Conditions | FAQs | Campaign Promo | Application Form
Campaign Period: 15 September 2016 - 15 March 2017

Enjoy 0% interest for 12 months and 3% upfront fee waived when you transfer your balances from other credit cards to Maybank Credit Card today.

Terms and Conditions:
Applicable to Maybank MasterCard, Visa or American Express Credit Cards Cardmembers.
Applicable to approved Balance Transfer during the campaign period.
Minimum transfer amount RM1,000 and maximum transfer amount RM50,000
Upfront fee of 3% for Balance Transfer 0% 12 months is WAIVED during the Campaign period

Campaign Mechanics:-
i. 12 months Instalment Plan - Interest Rate at 0% per month.
ii. The minimum transfer amount is RM1,000 and the maximum amount is capped at RM50,000 per transaction.
iii. One time up-front fee at 3% which will be charge from the approved amount for each approved application will be WAIVED during the campaign period
iv. The 3% waiver of upfront fee will be credited to credit card account within 30 working days from the approval date.
v. Any Balance Transfer plan approved prior to this campaign period is not allowed to be change to this Balance Transfer Plan
vi. The fee allocated for the waiver is only up to RM3.6M for 6 months campaign duration. The campaign will be automatically stop upon fund has fully depleted.



This post has been edited by cybpsych: Sep 15 2016, 08:22 AM

Wow, finally got pure 0% BT from Maybank.. Somemore is 12 months, aiya, I shouldn't do BT to PBB ytd..

i also banging myself to the wall

i recently did PBB's 9-mth flexipay for 3 large transactions ... other way to look at it, once next pbb statement is out, amount already >RM1k (total flexipay installment amount), then apply Maybank BT instead.