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

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cybpsych
post Sep 24 2016, 09:50 PM

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QUOTE(DarReNz @ Sep 24 2016, 09:44 PM)
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
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possibly their strict internal IT policy la; particularly banking industry.
MGM
post Sep 24 2016, 10:55 PM

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QUOTE(DarReNz @ Sep 24 2016, 09:44 PM)
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
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For me I only send in PDF format without password protection. For those statement with password received from banks I would print out the summary page and scan into pdf format. Is it possible to get rid of this password?
lilsunflower
post Sep 24 2016, 11:05 PM

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QUOTE(MGM @ Sep 24 2016, 10:55 PM)
For me I only send in PDF format without password protection. For those statement with password received from banks I would print out the summary page and scan into pdf format. Is it possible to get rid of this password?
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I normally screenshot first page using my phone and send jpg.
MGM
post Sep 24 2016, 11:23 PM

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QUOTE(lilsunflower @ Sep 24 2016, 11:05 PM)
I normally screenshot first page using my phone and send jpg.
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MBB would even accept that? But it wont be clear.
edwardccg
post Sep 24 2016, 11:57 PM

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good to know that the MBB 0% BT plan.
I tried to check the online m2u method but getting this
"You do not have any record in this list."

is it because I havent received my pin and pay card?
lilsunflower
post Sep 25 2016, 12:14 AM

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QUOTE(MGM @ Sep 24 2016, 11:23 PM)
MBB would even accept that? But it wont be clear.
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Yes they accept and it is very clear.
leo_kiatez
post Sep 25 2016, 02:35 PM

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QUOTE(DarReNz @ Sep 24 2016, 09:44 PM)
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
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Bank afraid that u send virus to them in the zip file. Haha
edwardccg
post Sep 25 2016, 03:25 PM

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QUOTE(edwardccg @ Sep 24 2016, 11:57 PM)
good to know that the MBB 0% BT plan.
I tried to check the online m2u method but getting this
"You do not have any record in this list."

is it because I havent received my pin and pay card?
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ask my sister which received MBB pin and pay card to check the Balance transfer via m2u.
the option is there and able to proceed to request for BT.

So it was really because I havent received pin and pay so unable to submit request for MBB BT online.
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for the BT, can i request to BT the "outstanding" amount instead of statement amount on the fund receiving CC?
eg: statement balance = RM2000, outstanding = RM4000, I want to BT RM4000 to MBB instead of statement balance of RM2000 only

DarReNz
post Sep 25 2016, 04:28 PM

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QUOTE(edwardccg @ Sep 25 2016, 03:25 PM)
ask my sister which received MBB pin and pay card to check the Balance transfer via m2u.
the option is there and able to proceed to request for BT.

So it was really because I havent received pin and pay so unable to submit request for MBB BT online.
----

for the BT, can i request to BT the "outstanding" amount instead of statement amount on the fund receiving CC?
eg: statement balance = RM2000, outstanding = RM4000, I want to BT RM4000 to MBB instead of statement balance of RM2000 only
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should be fine with MBB cos i told the same to Aeon and then it was approved. At first Aeon called and said sorry we don't accept unbilled transaction only accept current statement and i told the them please see the outstanding balance then they are fine with it nod.gif
edwardccg
post Sep 25 2016, 09:32 PM

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QUOTE(DarReNz @ Sep 25 2016, 04:28 PM)
should be fine with MBB cos i told the same to Aeon and then it was approved. At first Aeon called and said sorry we don't accept unbilled transaction only accept current statement and i told the them please see the outstanding balance then they are fine with it  nod.gif
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i see, then when i submit the form, I should submit the screenshot of my other cc with outstanding amount information.
joylay83
post Sep 25 2016, 11:07 PM

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QUOTE(cybpsych @ Sep 19 2016, 10:41 AM)
mine no status either.

but joylay83 said his application already approved on Sep 16. not sure which BT promo, 0% or 1%.
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supposedly 0%. but u know mbb lar... famous ffk punya. we'll see.
lilsunflower
post Sep 26 2016, 02:15 PM

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Has anyone tried applying for 2 rounds of BT with MBB under the same promotion?

I successfully applied for 1 round of MBB BT last week, but still have RM40k+ of available credit limit, and my statements from other banks will be issued in first week of October. Thinking of applying for another round of BT, but not sure if its possible. Has anyone tried under previous campaigns? T&C doesn't seem to have a restriction on number of applications per campaign period.

12 months 0% is very attractive smile.gif.
cybpsych
post Sep 26 2016, 02:27 PM

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QUOTE(lilsunflower @ Sep 26 2016, 02:15 PM)
Has anyone tried applying for 2 rounds of BT with MBB under the same promotion?

I successfully applied for 1 round of MBB BT last week, but still have RM40k+ of available credit limit, and my statements from other banks will be issued in first week of October. Thinking of applying for another round of BT, but not sure if its possible. Has anyone tried under previous campaigns? T&C doesn't seem to have a restriction on number of applications per campaign period.

12 months 0% is very attractive smile.gif.
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faq http://www.maybank2u.com.my/WebBank/bt140916_faq.pdf
lilsunflower
post Sep 26 2016, 02:35 PM

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QUOTE(cybpsych @ Sep 26 2016, 02:27 PM)
Thanks - Q12. Got it! smile.gif.

Lucky you pointed out the FAQ, as I forgot about the RM50k cap. That means I only have RM17k to play with as I've exhausted RM33k already. Will try Round 2 when my statements come out early next month, and will update on my progress.

I think I will apply using e-mail instead of Maybank2u, as it seems that risk of auto reject is lower via e-mail.
cybpsych
post Sep 26 2016, 02:40 PM

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QUOTE(lilsunflower @ Sep 26 2016, 02:35 PM)
Thanks - Q12. Got it! smile.gif.

Lucky you pointed out the FAQ, as I forgot about the RM50k cap. That means I only have RM17k to play with as I've exhausted RM33k already. Will try Round 2 when my statements come out early next month, and will update on my progress.

I think I will apply using e-mail instead of Maybank2u, as it seems that risk of auto reject is lower via e-mail.
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max rm50k per BT application wor
lilsunflower
post Sep 26 2016, 03:55 PM

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QUOTE(cybpsych @ Sep 26 2016, 02:40 PM)
max rm50k per BT application wor
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Ah, understood. Then I'll try apply for my outstanding balances for next month approx RM28k. If approved, I will have better cash flow for the next 12 months.
MGM
post Sep 26 2016, 03:59 PM

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QUOTE(lilsunflower @ Sep 26 2016, 03:55 PM)
Ah, understood. Then I'll try apply for my outstanding balances for next month approx RM28k. If approved, I will have better cash flow for the next 12 months.
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HEY BIG SPENDER. rclxms.gif
lilsunflower
post Sep 26 2016, 04:06 PM

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QUOTE(MGM @ Sep 26 2016, 03:59 PM)
HEY BIG SPENDER. rclxms.gif
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Just another poor working mummy paying life savings into kids' education, insurance and family holiday. blush.gif
vseries
post Sep 26 2016, 06:03 PM

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QUOTE(lilsunflower @ Sep 26 2016, 04:06 PM)
Just another poor working mummy paying life savings into kids' education, insurance and family holiday.  blush.gif
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... but you use ~30k each month of last 2 months. How poor can that be smile.gif What's your plan to do with the 60k cash?
lilsunflower
post Sep 26 2016, 06:26 PM

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QUOTE(vseries @ Sep 26 2016, 06:03 PM)
... but you use ~30k each month of last 2 months. How poor can that be smile.gif What's your plan to do with the 60k cash?
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I pay school fees (got 3% discount) and insurance upfront annually to save costs.

Extra cash from BTs will always go into FD (monthly). I keep a spreadsheet to make sure I can cover the monthly repayments.

After all these payments, of course I'm extremely poor! shakehead.gif

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