thru bank staff. depend on which bank u applying .

mind to elaborate a bit?
my calculations correct?

I didn't check your calculation but I did calculate last time for similar offer (free this and that)

U pay much more for the interest than the free gift value

This one I don't know lah

I understand that we cant BT to supplementary card (experience from Public Bank, Alliance Bank) but can we BT from Mr.A's supplementary card to Mr.A's principal card?

Regarding HSBC's BT program, let say I have RM3,000 (1st BT) with HSBC at 0% for 3mths . If I do another BT of RM5,000 without clearing my 1st BT (outstanding still have RM2,000), will I get interest charge? This is because I understand that there is no more 20 days interest free after having 1st BT and everyone would suggest to keep the card in drawer. I will call CS to confirm, but at the mean time, appreciate any advice or experience HSBC BT user. Thank you in advance!

check faq post #1

I have checked the faq before posting it and it doesnt address my concern. I know I cant BT Mr.A Bank A principal card to Mr.A's Bank B supplementary card, but can I do it other way round (BT Mr.A's Bank B supplementary card to Mr.A's Bank A principal card)?

It is still the same owner and name but different bank. The difference here is where it involves principal card and supplementary card of different banks (I know cant BT from same bank between principal and supplementary).

if not mistaken, supplementary card acc is tied to principal

since principal for both card is different, cannot do

but you can always try and see if it works or u can call cs to ask and feedback here

Thanks. I will call the CS although I feel that likely it is not gonna get thru.

Hi,

I have taken BT to the whole new level. Right now i have applied

1) Aeon CC
2) Public Bank CC
3) BSN CC

And soon i may wanna apply Affin (quite interest their 7% one time for 36mths repayment plan, that would translate into 2.4% below per annual which is very ideal for me.)

Any other CC that highly recommended?

Just notice Alliance Bank has 4% 24mths, oh my that might be another to get list lol.

This post has been edited by JustForCheonging: Apr 17 2016, 01:56 PM

did you applied all at one shot? lol...

yes, 4 more sets of doc to submit tomorrow, 2 is for increase of credit limits, 2 more is for affin bank and alliance bank. I all in.

I need 1 more credit card to swipe, prolly getting CIMB soon.

lol. let us know if ur all cc / credit limit increase got approved at one shot..

This post has been edited by aromachong: Apr 17 2016, 04:25 PM

Try my luck. Hopefully it will. Afterall, bank seriously need more business and cash, i hope they dun mind dealing with me hehe.

Mind sharing link of Alliance 4%? Their website only can see (1) 6 months 0% for new to bank and (2) 8% p.a. for 24 months

My maybank statement always lump both principal and supp due amount and list it under principal. So far i can BT the total with no question asked.

Bank like RHB always split both principal & supp which i believe you then can't do what you intend to do.

So depends on how they treat your account and statement i guess.

ops, I was referring front page and didnt see clearly that it is no longer available. thanks for pointing it out


I just did some searching, i cant find any BT plan for Affin (unable to access their official website) and im not sure whether Ringgit Plus or Imoney is correct.

This post has been edited by JustForCheonging: Apr 17 2016, 09:53 PM

Works fine for me, silly rates.

https://www.affinbank.com.my/getattachment/...P-Form.pdf.aspx

maybe should be able to do more than that

RHB try it too

(both are from my experience)

thanks for the link.

Its not silly at all, for 36mths u only pay for 7%, thats effective rate of 2.33% per annual.

I will prolly max up affin balance transfer 1st, and slowly pay it for 3 years.

BSN comes second (24mth @ 4.5%) and 3rd would be PBB (24mth @ 5%).

AEON will be last for short term cash rolling.

it is not 7% effectively as you have to pay back in equal for 36 months.

I believe you are catching the wrong concept, I hope you are not diggin bigger hole than you can fill.

Mind to elaborate it?