Sorry was not clear, I meant I want to apply for the RHB balance transfer to be paid into my UOB balance transfer account.

Basically convert my 3-mth 0% UOB balance transfer into a 12 month via RHB.

Currently got 0% promo for easycash? Can't find it.

EDIT: Oh nvm my google sucks - it's here https://www.pbebank.com/en/promotions/lates...h-pb-easy-cash/

This post has been edited by LostAndFound: Dec 16 2024, 11:26 AM

Sorry miss I missed it =(

Yeah cash in hand always better than BT. At the very least even if you have big spending on your other CC, the cash in hand can earn you daily interest until due date of statement.

Based on this, my due date would be 21st Jan for my 3 month BT. But CS did tell me 20th Jan previously.

I specifically asked, they said no penalty for early settlement. What's my safest path? Just pay in full 20th Jan? Pay everything except RM100 on 20th Jan and then plan RM100 on 21st Jan?

Payment can be scheduled right from my UOB One account?

If 60 months reducing balance I wonder what is the per month minimum is. Cos if 5% then have to pay roughly 27% in the first 6 months.

UOB and Affin only I think?

Supposedly based on other reports in this thread, you can just buta2 apply with the code as posted and someone from UOB will call.

For me, I feel like MBB credit limit super low so BT 0% also not very worth.

The 'balance' is the amount that is owed.

Currently you owe it to Bank A.

Then you transfer that balance to Affin. Now you owe it to Affin.

So its transferred from bank A.

Imagine you are doing a buy/sell business for headphones. When you deal with the manufacture, you are transferring the product FROM the manufacturer to you (and you pay them for it). When it comes to banks, their 'product' is the debt.

Out of curiosity, why would you top up money to get more CL? Doesn't it defeat the purpose, since let's say you are applying for 18,000 but you only have 12,000.

You top up 6,000 then total 18,000 BT will go through (3,000 per month). If you proceed with 12,000 then the BT will only be 2,000 per month BUT you didn't spend 6,000 up front.

So don't know why you would 'spend' the 6,000 in that way.

Maybank so stingy with credit limit, balance transfer useful meh? My MBB cards got 20% of the credit limit other banks give....

Wah so nice. You applied to increase with documents, or they just gave straight when you apply their card?

Received this as well.

LOL so many cards but dunno how to use them to earn cashback? Off-topic for this thread anyway. You probably want to look at the latest promos on Public Bank thread and see if you qualify for that, time your payment accordingly.

General rule of thumb for me is need enough cash in hand (mostly in UOB One account for the 4% interest) to pay off 100% of the BT value. All the monthly payments are also scheduled from the same UOB One account.



My post-pandemic total balance transfer amounts (straight line down is when the balance transfer starts, then small lines up as repayments are made). As long as I keep track this way no worries to keep applying to the max. Total balance transfer between affin, RHB, UOB, and most recently added Alliance to the mix (this one is one-time since I got credit cards with them).

I prefer UOB One because its simple (for me defined as 'do not need to guarantee a certain amount every month').

RHB Smart con job is, your monthly average balance MUST be 1000 more per month (every month compared to the month before) to qualify for the best rate. Without that the rate is not worth it (since I do have their credit card all the other criteria are simple to meet). Keeping track of this is possible but not fun. UOB I just make sure amount is never less than 100k and don't need to think about it.

Oh the other thing is, the last two bonuses to hit 6.85% aren't really worth it due to their fees/rates, so 5.25% is really the sweet spot.

This post has been edited by LostAndFound: May 26 2025, 11:18 AM

Not true, because let's say this month I have 100k MAB (didn't touch at all).

Next month my requirement is 101k. But if I did ANY transactions with that account (for e.g. using it to pay my credit card bill), that will change the MAB. So unless I'm doing the specific calculation, I will start having to keep track that on the 15th of the month I paid out 3k, salary coming in on 28th is more than that, how much exactly do I need to 'top up' in between to hit 101k. Let's say I put in a bit more to be safe, MAB come out will be 101.5k

The next month requirement is then 102.5k. If I calculated wrong? Suddenly the interest earned drops for that month AND all subsequent months. So the only way (which I'm planning to use right now actually) is to make sure the account just.... never used except for credit salary.

Whereas for UOB, if you count wrong no big deal. Can just treat it like a savings account, I schedule all my CC bill payments from the same account and don't really bother about whether I need to hit one specific number, as long as its somewhere in the 100k-200k range.

Ironically before RHB's change I used to leave exactly 100k in UOB and everything else in RHB for regular bill payment etc. Once UOB extended interest to 100k-200k range I just used that, then some time after that RHB change requirement to increasing balance, no motivation to come back.

EPF works for.... someone a bit older than me I guess. More than a decade left before I can touch any of it, so is not the same type of flexibility as a savings account. And at my age I still prefer overseas for investment purposes since thinking more long term. If I'm past 50 then yeah EPF makes more sense.

So... my wife's UOB balance transfer kena charge interest. I called them up and they said it was a 3 month balance transfer, but... I remember I asked my wife to apply was for 6 months (same time I also applied 6 months). Don't think there even was a 3 months 0% balance transfer promo that time.

Anyway after explaining to the CS, she asked me to settle full amount on the spot and arranged to waive the charge (which already came through). Now have to call again to withdraw the amount, since the BT account shows overpaid....

Anyway searching through my own BT, on 2nd Jan I had BT disbursal for BT Plan11 - 6M. This means my final settle date is 2nd July right?

Yeah new-to-bank for RHB cards gets this one-time benefit. No strings, just pay in full on time and enjoy the interest-free loan.

Others have already said this likely will not work.

I would just add - financially this seems dangerous. Debt is a deep hole, make sure you know what you're doing and got escape route.