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

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chiahau
post May 26 2017, 01:56 PM

Fatthau StalKer
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QUOTE(hurricane21 @ May 26 2017, 01:54 PM)
I tried request for 1.5k and 2.5k, both also failed. hmm.gif
*
Use the Citi CS chat and ask them why?

But I recalled Citi is not having any BT promotion up to date wor.
chiahau
post May 26 2017, 03:10 PM

Fatthau StalKer
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QUOTE(hurricane21 @ May 26 2017, 03:00 PM)
Yeah I knew it but at least the interest is one time right if I choose the tenure for BT installment.
*
Simpler solution - Ask the merchant to void the transactions and re-do it? biggrin.gif
chiahau
post Jun 9 2017, 08:09 AM

Fatthau StalKer
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QUOTE(cybpsych @ Jun 9 2017, 07:25 AM)
just applied mbb 12mth 0% promo bt via m2u.

6:43am, approved in principal, via email
7:22am, final approval, via email.

super crazy fast!  grin.gif
*
Did it around 9.45 pm, 10.20pm sudah reply approved.

Funds transferred within 3 days later.
chiahau
post Jun 10 2017, 07:29 AM

Fatthau StalKer
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QUOTE(joenjill @ Jun 9 2017, 12:48 PM)
Submitted BT to MBB for HSBC & Citi two banks. surprise receive confirmation sms from MBB on next day and both bank receive payment on next two days.

To update, called Citi for withdraw overpaid balance, the officer mention over 2k amount require proof of MEPS transfer.
*
Tell them it's overpayment From BT.

I did that once and they just credited the amount to my account afterwards.
chiahau
post Jun 10 2017, 08:49 AM

Fatthau StalKer
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QUOTE(CP88 @ Jun 10 2017, 08:13 AM)
Did the amount goes back to your Citi SA or other bank account?
*
I asked for other banks coz I don't have a citi account back then XD
chiahau
post Jun 11 2017, 01:26 AM

Fatthau StalKer
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QUOTE(CP88 @ Jun 10 2017, 10:00 PM)
Bro, did CiTi ask for any documents/proof when you mentioned its from BT?
*
In my experience, they did not question anything actually.

In fact during the first call, they candidly ask me where's the source.

I just answered BT.
chiahau
post Jun 14 2017, 09:52 AM

Fatthau StalKer
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QUOTE(daniel2006 @ Jun 13 2017, 02:47 PM)
guys, need to ask some question about BT.

im using MBB 2cards plat. i still have 5-6k outstanding with credit limit of 15k.

anyway i could do to reduce the interest? do MBB offer BT to own card?

*i pay monthly more than minimum requirement.
*
You can BT to MBB Islamic from Conventional if you want.

Providing you have an Islamic Card to begin with.

QUOTE(monara @ Jun 13 2017, 11:55 PM)
Maybe personal loan is better than BT?if its not a choice, then just apply other  CC that have BT with zero or low interest. And no, cannot do BT to same bank i suppose.
*
Nope. You can BT to MBB Islamic from Conventional if you want.

Just that you won't get 0% interest laugh.gif
chiahau
post Jun 14 2017, 01:46 PM

Fatthau StalKer
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QUOTE(christeen @ Jun 14 2017, 01:38 PM)
I called to UOB asked about transfer overpay BT amount to other bank casa but the cs said it will depend on approval and the chances are low. My plan is:
From MBB 0% BT to UOB cc. And then ask UOB to transfer the excessive credit amount to MBB casa. Anyone have experience on that? How to do it?
*
Just open a saving account and transfer the money there.

Then close the saving acc laugh.gif

I got few saving accounts with other banks so I don't really mind laugh.gif
chiahau
post Jun 14 2017, 02:00 PM

Fatthau StalKer
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QUOTE(christeen @ Jun 14 2017, 01:55 PM)
I'm afraid later they said cannot do so. Then wasting time to open a saving acc purposely.
I did call CIMB too but they said they only can transfer the fund back to the source same info as share by members in this thread.
So I just checking here if anyone could share his experience with UOB?
*
honestly, impossible cannot.

Just cancel your card if they absolutely refuse. They would then have to issue you a cheque for the balances laugh.gif

UOB I heard was one of the lenient ones already.
chiahau
post Jun 14 2017, 03:46 PM

Fatthau StalKer
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QUOTE(sms2u @ Jun 14 2017, 03:37 PM)
are u sure u can apply BT from Maybank Islamic CC to Maybank conventional cc ?

Have u try before?
*
http://www.maybank2u.com.my/WebBank/Conver...t%20English.pdf

You may have to terminate your conventional card to use this feature tongue.gif

I done it once when I wanted to get the Ikhwan after M2C was cripped by the removal of the 5% CB.


chiahau
post Jun 17 2017, 12:09 PM

Fatthau StalKer
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QUOTE(labtec @ Jun 17 2017, 11:55 AM)
how does this 0% balance transfer work?

if I apply for 0% BT of RM1200 for 12 month, I just need to pay RM100 per month is it?
and if my credit card only has RM500 debt, can I apply for RM2000 0% BT?
*
1. Yes. Only need to pay 100 per month.

2. Can. If those Bt does not require statement : Maybank for example.
chiahau
post Jun 17 2017, 01:57 PM

Fatthau StalKer
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QUOTE(0812454 @ Jun 17 2017, 01:45 PM)
Do not swipe during BT, otherwise will get finance charge.

But how about the installment made before apply for BT? Is it going to get finance charge also?
*
This only applies to HSBC card.

Maybank and Pbb good to go as long as you settle statement in full.

I have 3 BT in my maybank cards, never once got charged any interest.
chiahau
post Jun 20 2017, 10:32 PM

Fatthau StalKer
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QUOTE(bearbear @ Jun 20 2017, 10:30 PM)
no one here report RHB promo?

started few weeks ago i receive a SMS, it was 10k per customer through phone without statement required.

now its seems they open it up, they allow me to BT 90+% of my credit limit.

6 months 0% no upfront fee
*
Ada link? Thanks.

Time to utilize that Visa Infinite biggrin.gif
chiahau
post Jun 21 2017, 07:49 AM

Fatthau StalKer
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QUOTE(bearbear @ Jun 21 2017, 12:04 AM)
no link, like I said I received a SMS to register. They then called me to proceed. I have friends who explore (did not receive SMS) after I shared and they were been successful to get BT.

Try email or call them
*
Cool. Thanks for updating biggrin.gif

Gonna try it out
chiahau
post Jun 28 2017, 11:04 PM

Fatthau StalKer
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If my statement already came but my waiver for the BT came after statement, can I pay the statement balance minus the waiver?

If not I have to pay quite a hefty amount lei.... sad.gif
chiahau
post Jun 29 2017, 07:55 AM

Fatthau StalKer
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QUOTE(DarReNz @ Jun 29 2017, 06:16 AM)
ya I have done that no issues  nod.gif
*
Cool.

Gonna submit a new BT later then.

Was worried I have to pay that amount 1st, thus restricting my cash flow for a bit.

RHB promo seems to be going on, eh? biggrin.gif
chiahau
post Jul 25 2017, 05:26 PM

Fatthau StalKer
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QUOTE(uhlaw @ Jul 25 2017, 04:55 PM)
Is it worth to apply this citibank BT 0.99%?
I simply replied their sms and it written:-
"Thank you for your interest. Our Citibank officer will be in touch with you in the next 2 working days."
*
Honest opinion - Any BT with interest = sucks
chiahau
post Aug 8 2017, 09:41 PM

Fatthau StalKer
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QUOTE(JonnY @ Aug 8 2017, 08:11 PM)
I'd called Citibank to transfer to my other bank saving account but the cs said must have proof of payment. If not then they cannot proceed with the request and it is the procedure of their bank. I asked to transfer back to the source of payment and they again said they can't do that. 

Anyone can advise?
*
Can't transfer to a local citibank account 1st?

Worse come to worse, just cancel the card lor.

By right it's your money. They have no rights not to return it back to you.
chiahau
post Aug 15 2017, 05:39 PM

Fatthau StalKer
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QUOTE(chonghe @ Aug 15 2017, 04:25 PM)
BT newbie has some questions:

i) wish to transfer balance to Maybank CC but how to know if Maybank 0 charge BT still available? seeing that now is only 2 weeks till the end of campaign?

ii) saw lots of comments BT hurts CCRIS/CTOS score. Is this true? How much damage can it do to the credit score?

iii) if Maybank BT 12 months still in effect, can I still apply BT (balance from another bank other than maybank) to transfer to another bank (e.g., Public)?

Thanks.
*
2. If you plan to get a housing loan, BT will reduce your max loan margin by a significant number.

I needed to clean out all my BTs before applying for the loan last time.
chiahau
post Aug 15 2017, 06:41 PM

Fatthau StalKer
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QUOTE(chonghe @ Aug 15 2017, 05:46 PM)
I thought online application is easier?
So if no plan to apply housing loan then no need worry so much?
*
Your application for new CC also will be rather difficult if u are a heavy BT addict like me.

Can't get new CC to be approved due to BT tongue.gif

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