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Credit Cards Balance Transfer (BT) Plans V4 - Banks Offer List, Credit card debt consolidation
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cybpsych
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Jan 23 2024, 11:48 AM
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QUOTE(cybpsych @ Jan 21 2024, 07:35 AM) First, have you TESTED applying from M2U? answers are exactly inside there... Second, have you tried browsing https://www.maybank2u.com.my/maybank2u/mala...on_listing.pageQUOTE(virtualgay @ Jan 23 2024, 11:44 AM)
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cybpsych
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Feb 19 2024, 08:09 PM
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QUOTE(MGM @ Feb 19 2024, 06:24 PM) Notice this 3m 0% fpp in HLCONNECT but when login, see only 3m 0.88% fpp is available. Need to have a certain amount to see this 3m 0% fpp availability?  find the details in HLB Promo page.
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cybpsych
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Mar 18 2024, 01:11 PM
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QUOTE(fruitie @ Mar 18 2024, 01:06 PM) There is 0% BT for 6-month for HLB. I'm unsure if it is for selected customers only or open to everyone. I saw the banner on the app, but when I tapped on it, it asked me to log in to the website to apply. So, I checked via online banking on the website, and I can see and apply for it. The promotion ends on April 8th and can be transferred to a savings account. should be newly available
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cybpsych
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Mar 18 2024, 10:04 PM
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QUOTE(fruitie @ Mar 18 2024, 09:48 PM) You don't need to post three posts when someone already shared the link up there.  if you read in https://forum.lowyat.net/FinanceBusinessandInvestmentHouse , you'll see why
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cybpsych
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Mar 25 2024, 09:44 AM
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QUOTE(TongCN @ Mar 25 2024, 09:31 AM) Lol .. applied HLB BT (0% into CASA) on 22nd March and didn expect money comes in even in Weekend (23rd March)  if they designed it correctly and securely, fund to CASA can just be done intrabank without flowing outside of HLB network.
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cybpsych
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Apr 17 2024, 02:25 PM
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QUOTE(fruitie @ Apr 17 2024, 01:37 PM) For the Affin FPP, what does it mean ya: Promotion 2 Promotional Rates: 6 months @ 0% upfront interest/profit rate (Birthday month only) 12 months @ 0% upfront interest/profit rate So, it is 0% for 6 months or 12 months? i believe the "benefit" for birthday cardholder is lower eligible amount to convert. from my understanding.... 1) birthday month: you are eligible for both 6mth and 12mth FPP 0% 2) other months: eligible for 12mth FPP 0% only
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cybpsych
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Apr 18 2024, 03:00 PM
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QUOTE(lamode @ Apr 18 2024, 02:58 PM) if anyone speak to CS again, can help to ask if this is one time only or can do multiple times during whole campaign? read t&c clause 5
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cybpsych
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Apr 24 2024, 11:59 AM
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QUOTE(virtualgay @ Apr 24 2024, 11:35 AM) timing ini memang cantik tapi credit limit memang rendah anyone know if can do multiple time or 1 time? last round mbb can do multi times t&c and faq has the answer
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cybpsych
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Apr 24 2024, 12:03 PM
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QUOTE(virtualgay @ Apr 24 2024, 12:01 PM) apala.. not friendly la u tak apa i tunggu spoon feed - see here siapa baik hati share info it took me few minutes to find the t&c/faq (hint: few posts above!), opened it, read it, and reply you with a guidance wor This post has been edited by cybpsych: Apr 24 2024, 12:03 PM
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cybpsych
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Apr 26 2024, 09:24 AM
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QUOTE(Lonelybird @ Apr 26 2024, 09:21 AM) Hi Sifu, Few months ago i took a 0% bt for 12 months from Maybank. how can i do early settlement? i don't see any option for full settlement on the app. Should i call the bank to ask for early settlement? contact bank, there's no DIY/automation to it bank will release the remaining balance into your cc account. best if you can do it AFTER your statement date. at least can prolong the repayment slightly.
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cybpsych
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Apr 26 2024, 05:14 PM
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QUOTE(ronnie @ Apr 26 2024, 05:06 PM) Maybank EzyCash = 6 months 0% Maybank BT = 12 months 0% which is the better option ezcash like a cash loan, can do literally anything with the $$, outstanding CC bills "not important" bt just settle your other cc bills i prefer ezypayplus .... spend with maybank cc (eg m2c amex), then chop into installments. can still earn TPs/CB and no immediate burden to repay in full
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cybpsych
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May 3 2024, 03:56 PM
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QUOTE(Nemozai @ May 3 2024, 03:52 PM) Anyone have issue with applying balance transfer from MAE app or Maybank2u website ? Error code: 0060, system unavailable. Called Maybank they cannot help, reply maybe it's due to traffic congestion. They ask to apply manually through email. Pretty sure i have more than enough credit limit because I just made extra payment to settle next month statement balance earlier. u do know that traffic congestion has nothing to do with your CL, right? now could be peak hours of ppl hitting M2U/maybank systems to redeem airmiles (and failed)! just retry later in the evening or night.
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cybpsych
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May 3 2024, 08:40 PM
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QUOTE(damien5119 @ May 3 2024, 07:26 PM) anyone knows how i can BT from AEON to Maybank? there is 0% offer on maybank2u, but AEON is not on the dropdown list. When i called Maybank, they said have to use the manual form to apply for AEON, but I wont be eligible for the promo as that's only for application on Maybank2u. take ezycash and pay the aeon card separately lor
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cybpsych
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May 3 2024, 09:49 PM
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QUOTE(cybpsych @ Apr 23 2024, 05:40 PM) Convert your credit card payments into smaller monthly instalments with EzyPay Plus/-iCampaign period: 22 April 2024 - 31 July 2024 https://www.maybank2u.com.my/maybank2u/mala...zypay-plus.pageDon’t let big purchases stop you from living your best life. Enjoy exclusive interest rates/management fees as low as 0% p.a. (min. RM500 in a single transaction) over 6 months.  Get instant cash with Maybank EzyCash/-iCampaign period: 22 April 2024 - 31 July 2024 https://www.maybank2u.com.my/maybank2u/mala...ds/ezycash.pageEnjoy the convenience of cash relief when you need it. Apply online for interest rates/management fees as low as 0% for 6 months and no upfront fee for all plans. T&C apply.  QUOTE(damien5119 @ May 3 2024, 09:38 PM) nah, was only interested in the 0% BT. if it's not 0%, i'll just pay off the balance. thanks
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cybpsych
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May 4 2024, 11:48 AM
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QUOTE(contestchris @ May 4 2024, 11:09 AM) How does Maybank EzyCash and BT work? Is it need to pay to separate account every month, or pay to CC account? Is it 5% or level installments? traditional installment into your cc account each month.
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cybpsych
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May 16 2024, 06:29 PM
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QUOTE(virtualgay @ May 16 2024, 03:42 PM) Bank Islam offer BT 0% https://www.bankislam.com/bt0/problem is dont have Bank Islam credit card anyone here have it? if u want the card just for BT, just apply lor
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cybpsych
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May 27 2024, 03:26 PM
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QUOTE(ChiaW3n @ May 27 2024, 03:15 PM) I got a bad idea in mind, like i balance transferred from uob to my ocbc credit card which has zero oustanding. now my ocbc got credit like 100k, possible for me to cancel this card and ask the credit to transfer to my bank account? by right, bank has to transfer the excess balance out from your card. question is, will bank reluctant/refuse to process card termination if they suspected the amount inside is suspiciously-high?  it's a risk for you to consider
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cybpsych
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May 27 2024, 07:58 PM
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QUOTE(quakerquaker @ May 27 2024, 07:48 PM) hi sifus, lets say i want to transfer to PB BT  as shown on the picture does PB BT will not charge any interest on it? lets say i take 12 month installment is it 9000/12 = monthly i need to pay? what PB/PiB card(s) are you holding? no monthly interest, but did you see the one-time fee 2.5% for 12mth BT? that's the extra you need to pay upfront.
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cybpsych
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Jun 12 2024, 09:10 AM
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QUOTE(biotin @ Jun 12 2024, 08:32 AM) Unfortunately it's for the existing card member not for new application or less than 12 months. Thanks anyway. https://www.affinalways.com/promotions/0%25...lp-77i3eQKksavsthere are 2 promos, right? BTIP Application Form
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cybpsych
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Jun 23 2024, 06:39 AM
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QUOTE(virtualgay @ Jun 22 2024, 11:56 PM) back to the question - will the bank charge you financial charges if you overspend? i overspent on HLB most of the time and never kena before but i dont drag it... max i drag is about 2 weeks then i will make sure no more overspend depends on the condition(s) set by each bank... hlb below...  seems no overlimit fee for hlb but will be absorbed together into whole card's finance charge calculation
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