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

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cybpsych
post Sep 29 2023, 02:34 PM

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QUOTE(andrew98 @ Sep 29 2023, 01:45 PM)
I saw my 1st payment date is next day if I submit today. Is first payment date always the next day of application? If so, when is the payment due? is it following next statement cycle due date?
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not 1st payment

it's 1st "installment" amount right after successful submission.


pay according to statement amount. simple as that.
cybpsych
post Sep 29 2023, 05:05 PM

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QUOTE(asiatrader98 @ Sep 29 2023, 04:53 PM)
hi, same as me
but mind to share why 24/09/23 approved and transferred to my saving a/c  the amount of RM6k, but the next day on 25/09/23 amount of RM1k charged to the my card, so when shall I pay for that RM1k? Together with my card outstanding amount on the next month of 7/8th Oct 23?

user posted image

user posted image
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pay according to statement amount and due date

simple as that.
cybpsych
post Oct 2 2023, 05:34 PM

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QUOTE(sasuke8678 @ Oct 2 2023, 04:59 PM)
can i do BT to other person CC?
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no
cybpsych
post Oct 6 2023, 11:48 AM

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QUOTE(cenkudu @ Oct 5 2023, 09:21 PM)
BT MBB can make early settlement without penalty?
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read the T&C and FAQ in this page https://www.maybank2u.com.my/maybank2u/mala...e-transfer.page
cybpsych
post Oct 6 2023, 04:33 PM

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QUOTE(virtualgay @ Oct 6 2023, 02:30 PM)
anyone know will CIMB ever have ZERO% balance transfer?
i only saw the following on their website
crazy 5.99% so damn high!
Plan A 6 months 5.99% RM1,000
Plan B 12 months 7.99% RM1,000
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iinm, got invite-only 0% BT. not sure now still valid or not.

another is cimb's 0% Flexi payment campaign lor https://www.cimb.com.my/en/personal/promoti...n-campaign.html
cybpsych
post Oct 17 2023, 12:17 PM

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QUOTE(virtualgay @ Oct 17 2023, 12:16 PM)
applicable to all or still have to ETB vs NTB?
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read https://www.affinalways.com/storage/TnC/TnC...ampaign_ENG.pdf

https://www.affinalways.com/en/promotions/0...TYmcmVjPTUzOA==
cybpsych
post Oct 23 2023, 11:12 AM

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QUOTE(sasuke8678 @ Oct 7 2023, 09:20 AM)
Hey bro..
It actually works..
I try use my cc BT to others name
Maybank to Alliance
Its works 😆
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QUOTE(Matchy @ Oct 23 2023, 10:34 AM)
just wondering, for the balance transfer, the credit card must be my name or i can also balance transfer from a card not own by me?
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generall, same name

above, someone tried otherwise. try at your own risk biggrin.gif
cybpsych
post Nov 12 2023, 07:59 PM

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QUOTE(virtualgay @ Nov 12 2023, 06:18 PM)
I like BT with those that charged directly to credit card and we just pay base on statement balance senang
Hate UOB BT always create additional account
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I prefer this method by charging equal installment to cc statement.

obviously, uob gotten creative and introduced "reducing balance BT" whereby all monthly installments is min 5% except final installment is full remaining balance. thus, a separate account to be created so not to disrupt cc statement logic.

there's good and bad with this anyway.

I tried uoh bt once. hate managing the bt account separately each month lol
cybpsych
post Nov 15 2023, 02:25 PM

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QUOTE(richard277 @ Nov 15 2023, 07:48 AM)
Hi all,

May i know how to do Balance Transfer from Aeon Gold CC to my Maybank or HLB CC? I didn't find Aeon  in the bank list.. . or its not possible? Thanks!
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QUOTE(richard277 @ Nov 15 2023, 12:06 PM)
I'd check at Maybank and Hong Leong website, both dont have Aeon on their Balance Transfer list
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ask in BT topic for better response...
cybpsych
post Dec 9 2023, 08:10 PM

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QUOTE(Lonelybird @ Dec 9 2023, 07:41 PM)
Dear sifus,

For Maybank Balance Transfer, is the repayment made to BT account or CC account?
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cc
cybpsych
post Dec 12 2023, 06:08 PM

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QUOTE(Nemozai @ Dec 12 2023, 05:38 PM)
Maybank 0% BT and 0% management fee

Hello Sifus, I'm just curious, with this kind of campaign, what do the bank get in return?
Is there any hidden charges that I should be aware of?

At least those campaigns for credit card signup promotion will earn the bank a new customer. But this campaign is for existing customer. What do the bank get for paying our debt with 0% management fees and 0% interest BT ?
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extra budget to pull you to stick with them longer


you owe bank X, Maybank don't earn anything
you owe Maybank instead, you get to pay all the fees

then with your greed and missteps, you get penalized with the associated fees

cybpsych
post Dec 12 2023, 08:41 PM

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QUOTE(wonglokat @ Dec 12 2023, 06:00 PM)
I see everyone gets to submit application. I fail with a message about limits. The Maybank card is less used and the amount to transfer is less than the approved limit. Anyone with the same experience and if there's hope?

I have family emergency recently and if possible don't want to dig into the just-placed FD
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cannot utilize max 100% approved CL la

iinm, Maybank allows up to 90% Available CL, not from approved CL.

This post has been edited by cybpsych: Dec 12 2023, 08:42 PM
cybpsych
post Dec 16 2023, 05:26 AM

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QUOTE(paogeh @ Dec 16 2023, 04:34 AM)
i want to apply AFFIN 0% BT ---

i login to affin but cant seems to find the application page .

any help ? Thank you
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no need login

it's in public website https://www.affinalways.com/en/my-cards
cybpsych
post Dec 19 2023, 03:45 PM

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QUOTE(blahbleh @ Dec 19 2023, 03:42 PM)
Hi guys, any limit so far on the number of MBB BT 0% 12 months that you guys have encountered? I have 3 so far, not sure the 4th one will go through or not biggrin.gif. Yep I know, "just try it" but would like to hear from you guys too!
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you try it yourself faster to know the results than asking us here mah laugh.gif
cybpsych
post Dec 26 2023, 08:02 PM

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QUOTE(Human Nature @ Dec 26 2023, 07:55 PM)
Received an emailer on Affin 0% 12m BT ending 31 Dec 2023.

Is this differenr from the one ending 31 March 2024, or the end date has been revised?
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follow t&c in affin bt page
cybpsych
post Jan 11 2024, 10:24 AM

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QUOTE(virulence @ Jan 11 2024, 10:07 AM)
Is MBB 0% BT still available as previously only valid till 31 Dec 2023:

https://www.maybank2u.com.my/maybank2u/mala...e-transfer.page
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why didnt you test yourself using MAE App or M2U Portal?

can you see any 0% interest/fee offer there?
cybpsych
post Jan 18 2024, 02:33 PM

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QUOTE(TongCN @ Jan 18 2024, 02:12 PM)
Received an SMS from 66300 [UOB]

"Consolidate your other bank credit card outstanding with us at 0% interest for 6 months if apply by 29Feb24. SMS UOBBT to 66300 to know more (T&C)"

I thought UOB always SMS keyword for us to search?
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this is for their staff to call you back, explain t&c, then process your BT lor
cybpsych
post Jan 18 2024, 02:49 PM

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QUOTE(TongCN @ Jan 18 2024, 02:42 PM)
Probably will call them back and check, lol
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//RM0 UOBM Cards: Thank you for your interest in UOB Balance Transfer. We will contact you soon. //
cybpsych
post Jan 23 2024, 10:55 AM

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QUOTE(~Eveready~ @ Jan 23 2024, 10:52 AM)
Hi guys, can you guys access Maybank BT?
I have tried using chrome/Edge/Safari but will encounter service not available error after selecting the card number under the BT application page...
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no issue

user posted image
cybpsych
post Jan 23 2024, 11:35 AM

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QUOTE(~Eveready~ @ Jan 23 2024, 11:14 AM)
May I ask which browser are you using?
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chrome-based browser

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