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

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tetsu
post Sep 23 2016, 02:34 PM

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Temporary CL increase can't be used for BT. Otherwise, everyone will be abusing it.
sendohz
post Sep 23 2016, 03:05 PM

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hmm my application was rejected as well. Apply through email.
sendohz
post Sep 23 2016, 03:05 PM

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hmm my application was rejected as well. Apply through email.
mamamia
post Sep 23 2016, 03:10 PM

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QUOTE(sendohz @ Sep 23 2016, 03:05 PM)
hmm my application was rejected as well. Apply through email.
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Any reason given? Did u provide ur statement?
sendohz
post Sep 23 2016, 03:11 PM

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QUOTE(mamamia @ Sep 23 2016, 03:10 PM)
Any reason given? Did u provide ur statement?
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No reason provided.
I gave unbilled statement and attached with previous month 1st page as evidence of name and CC number.
In the form i filled in the unbilled amount.


TSbrotan
post Sep 23 2016, 03:30 PM

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QUOTE(MGM @ Sep 22 2016, 07:13 PM)
If during application u indicate that the BT is 12-month 0%, then b4 approval, MBB should be able to know whether funds allocated already fully taken up, and we will be duly informed. Just my 2sen.
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haha. that is a good joke for the italic

why would maybank wants to tell their customer that the funds already depleted? that's the whole idea of capping, that's to earn money from those that apply but didn't get the waiver

brows.gif

This post has been edited by brotan: Sep 23 2016, 03:32 PM
guy3288
post Sep 23 2016, 03:42 PM

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QUOTE(brotan @ Sep 23 2016, 03:30 PM)
haha. that is a good joke for the italic

why would maybank wants to tell their customer that the funds already depleted? that's the whole idea of capping, that's to earn money from those that apply but didn't get the waiver

brows.gif
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By right that shouldn't be the case, if customers want only that product (3% fee waived),
once it is finished customers have the right to be informed,
otherwise can refuse alternative product with 3% fee.


To be on the safe side, i recommend you guys indicate in the email/ application form itself, write there:

" Promotion balance transfer 12month at 0% interest and 3% upfront fee waived"

P/s: surprised MBB also can reject BT application with no good reason?
so far how many kena rejected? hopefully mine is approved.
feralee
post Sep 23 2016, 03:44 PM

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QUOTE(Alec.Yong @ Sep 22 2016, 05:32 PM)
Just submitted my BT form to Aeon Credit MV. Total of RM12k need to be BT from my MBB card..

Hopefully they can process it and approve by 8/10, which is the due date.
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Can also apply there?

For both Aeon & Aeon big CC?


TSbrotan
post Sep 23 2016, 03:45 PM

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QUOTE(guy3288 @ Sep 23 2016, 03:42 PM)
By right  that shouldn't be the case, if customers want only that product (3% fee waived),
once it is finished customers have the right to be informed,
otherwise can refuse alternative product with 3% fee.
To be on the safe side, i recommend you guys indicate in the email/ application form itself, write there:

" Promotion balance transfer 12month at 0% interest and 3% upfront fee waived"

P/s: surprised MBB also can reject  BT application with no good reason?
so far how many kena rejected? hopefully mine is approved.
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i know, by right it should be but maybank wants to make money lah. this is a good way for them to earn

anyway, you can always try to ask cs about the allocated funds, how much left. i am 110% sure they can't tell you (either they really don't know or they play dumb)

This post has been edited by brotan: Sep 23 2016, 03:46 PM
red_scorpion
post Sep 23 2016, 05:03 PM

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just using m2u to apply bt, received approved email within 1 hrs.
MGM
post Sep 23 2016, 05:16 PM

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QUOTE(red_scorpion @ Sep 23 2016, 05:03 PM)
just using m2u to apply bt, received approved email within 1 hrs.
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That was fast. Did u submit d statement balance or outstanding balance?

red_scorpion
post Sep 23 2016, 05:35 PM

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QUOTE(MGM @ Sep 23 2016, 05:16 PM)
That was fast. Did u submit d statement balance or outstanding balance?
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no..m2u didnt require to submit anything..
MGM
post Sep 23 2016, 05:52 PM

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QUOTE(red_scorpion @ Sep 23 2016, 05:35 PM)
no..m2u didnt require to submit anything..
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How do they authenticate? Or just like PBB? APPLICATION by email/fax needs statement.
bearbear
post Sep 23 2016, 06:16 PM

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QUOTE(MGM @ Sep 23 2016, 05:52 PM)
How do they authenticate? Or just like PBB? APPLICATION by email/fax needs statement.
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Nope, my application through e-mail was approved without statement.

They will ask for it, you must F them asking why online don't need but e-mail need. tongue.gif
mamamia
post Sep 23 2016, 06:29 PM

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I submit via email for MBB BT ytd evening with statement, today received SMS stating approved.
peri peri
post Sep 23 2016, 11:07 PM

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long time never visit here and apply BT,

i think i need 1 becoz the day diagnose body at kpj already caused me rm2000
mamamia
post Sep 24 2016, 10:50 AM

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QUOTE(lilsunflower @ Sep 20 2016, 04:43 PM)
Update on my experience with MBB 0% BT:

1. Applied 15/9 morning via e-mail

2. Received SMS approval 19/9 @ 6.02pm

3. Received SMS that amounts have been transferred 20/9 @ 10.20am

4. PBB online shows funds marked as received on 20/9 @ 4.00pm

So far, no BT charges or amounts shown on Maybank2u.
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Are u able to c how MBB transfer the money? Is it via IBG or IBFT? I receive SMS this morning that the fund has been transferred, but since today is Saturday.. If they use IBG mean I can only c that on Monday. N my due date is 26th (Monday) ..
CAFE21
post Sep 24 2016, 11:43 AM

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QUOTE(mamamia @ Sep 24 2016, 10:50 AM)
Are u able to c how MBB transfer the money? Is it via IBG or IBFT? I receive SMS this morning that the fund has been transferred, but since today is Saturday.. If they use IBG mean I can only c that on Monday. N my due date is 26th (Monday) ..
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Monday should be able to see the payment to your other credit card. U can see the available limit is reflected already.
mamamia
post Sep 24 2016, 12:02 PM

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QUOTE(CAFE21 @ Sep 24 2016, 11:43 AM)
Monday should be able to see the payment to your other credit card. U can see the available limit is reflected already.
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If IBG mean won't be able to c now.. Coz I BT to PBB, PBB always have immediate posting for payment of it is IBFT..
DarReNz
post Sep 24 2016, 09:44 PM

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aiyoyo just found out MBB CS dunno how to unzip the BT files that I sent over through email not sure why they are quite dumb or IT illiterate shocking.gif

This post has been edited by DarReNz: Sep 24 2016, 09:46 PM

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