transferring to PB, all them HLB BTs eh
i've the same problem - have to fill in 3 forms

i just scan all and fill in amount +total & sign/date je every month.. except for this +next coz 12 months' PB BT form different a bit

Just feedback:
1. Applied for PB's BT 12 months 0% $0 fees on 13th Dec
2. Today saw in PB account unbilled amount of (1.) but posted date 14th
3. Haven't seen the clearance of payment in my credit cards' account yet though. Shd be by Mon

minimum 2K per BANK, ie. say U have 3 MBB cards, U can put all 3 to BT to PB with total of $3K, each card $1K.

yes, into your "unbilled amount", and will show up in coming statement.

very deep/long experience with PB's BT - 2 to 3 statement pages long

This post has been edited by wongmunkeong: Dec 21 2018, 10:49 AM

technically NOT "billed" yet, just transaction capture.
We still have 20 days from statement date - ie.
1. just transaction captured
2. later.. statement
3. due date = 20 days from statement date

thus, can BT to another between (2.) & (3.) bwhahahah

i'm holding PB's Visa Signature (donkey years) and i asked just for the Quantum Master Card (the one with 5% cash back for online & dining). Got it without any hassle of filling in form +just got that 1 specific card. Lucky i guess

This post has been edited by wongmunkeong: Dec 31 2018, 12:12 PM

me too.. either MBB or HLB.. else, it'll be like the "unwinding of the carry-trade" for me (robbing BT $ in FD/money market monthly to pay off coz no more musical chair BTs)

i've used several months of PB's BT to pay HLB's BT.
Yes it works & if U are going to ask whether i'm sure or not (IF lar), water is wet

The date of expiry does not matter as long it is not expired. I've used my HLB's expiry date + used HLB's BTs last payment date.

Just FYI - PB's customer service sometimes blur, even on the 12 months 0% BT by invitation. Yup, i received their SMS / email invite a few months back and when i called, the particular CS Agent kept denying such program until i insist he checks with his supervisor

bro/sis - itu bukan AKPK la.

Kononya "AKPK agent" but are those offering debt CONsolidation and stuff. They funny coz offering lousy %pa cost VS folks like Citibank Cash on Call.

I usually get 2 to 3 calls, a day or two after i do BT via PB, HLB & MBB - dunno who's telling their buddies la

i've done as per Fruitie +clarified several times with HLB's CS:
BT's final payment MUST BE ON the last statement date to avoid interest OR earlier payoff charges

sidenote
HLB's flexi pay (also had 0% $0 fees 12 months) is so much easier.. no need to worry as it is like any credit card payments, follow statement's DUE DATE (ie. statement date +XX days).

It's a feature of the card - not a general offer for flexi payment plant for all types of PB Cards
https://www.pbebank.com/Personal-Banking/Ca...edit-Cards.aspx



This post has been edited by wongmunkeong: Sep 18 2019, 02:24 PM

i'm using this now since no 12mths 0% $0 fees balance transfer for PB, MBB, HLB XD
other than the above Terms & conditions - go read details as what is important to me may differ to U. there's a link ya in my post.

The most important to me = IF closed off early, $100 penalty per FPP closed off early.

ooo Flexi-pay is back for Hong Leong Connect but may be for specific card holders only



This post has been edited by wongmunkeong: Nov 12 2019, 03:32 PM

oo nice. i thought "travel" was linked to specific code hehe.
thanks for link with further info - until Jan 31st. wohoo!! time to load-up again

bwhahah - that means HLB's marketing people should re-look at their visual methods.
i thought i was the only one XD

Unsure whether shared or not thus sharing for those with HLB credit cards AND via online, now seems to be extended to end Feb 2020 AND transaction must be>=$2K:

Hong Leong Bank Berhad’s (“HLB”) “0% Interest Flexi Payment Plan campaign” (“Campaign”) commences on:
1st November 2019 at 00:00:00 hours (12:00 a.m.) and
ends on 29th Feb 2020 at 23:59 (11:59 p.m)
both dates inclusive ("Campaign Period"), unless notified otherwise.

Minimum Eligible Retail Transaction Amount
12 months 0% p.a. RM2,000.00

full t&c below:
https://www.hlb.com.my/content/dam/hlb/my/i...omotion-tnc.pdf

This post has been edited by wongmunkeong: Jan 13 2020, 11:13 AM

get a card like HLB which often provides 0% $0 flexi payment
OR
PB Quantum Master (better) or Visa which perpetually offers 1% up front cost, 12 months flexi payment for any transaction >RM1.2K

then U know what to do with boost/bigpay, right?

TOTAL outstanding shows up in CCRIS, U mean?
of course i know, i'm a "statistics" in high credit card debt bwhahah
all 0% or 1% 12 months though

so have a game plan - unless.. no game plan, spend liao and now doubling back to cover?
that, a bit susah - sorry.

more like AEON credit & BSN is different from the rest like:
Citi, HLB, PB, MBB, UOB, AmBank, SCB - yup tested all of them before for BT, flexi and cash on call

the only totally out there one is HSBC - never touch their BT or cash on call unless U are VERY clear on their T&C. very very diff from the rest - like in their own system/world

BTW - thoughts:
U have $ in SSPN?
if U have, take from SSPN, paydown some CC, get useful cards like PB's Quantum -->cycle to Boost/BigPay--> cashout-->paydown-->cycle more..
then cycle back to SSPN via Boost (takes a while but U have 9 months+ go hit SSPN tax relief)
YMMV

yup,
ALSO
if U paid extra on any month,
HSBC auto assumes it's EXTRA PAYMENT for the BT/CashOnCall for that month,
then auto-recalculates remaining month,
instead of leaving credit balance on that month.. then next month, used to offset the BT/CashOnCall

watch out for this - especially if U do like me
where U BT lump sum pay from HLB/PB -->into HSBC CC,
thinking like "resetting musical chairs from 3 months HSBC, to 12 months HLB/PB"

for other banks' cards, no issue - eg. lump sum into say HLB and HLB month by month knocks down the lump sum based on your BT due +usage for the month