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

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SzeMeng76
post Dec 15 2017, 11:36 PM

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QUOTE(besiegetank @ Dec 15 2017, 11:35 PM)
Thanks for the info! Hopefully MBB 0% interest promo is still available after my cny purchase next month...
Thanks for the info! PBB needs each bank cc to be more than 2k to bt and not the total sum right? a bit troublesome...
Weird did you email to them all the documents correctly?
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Yes min 2k. They so kind to revise already. Last time used to be 6k per card sweat.gif
SzeMeng76
post Dec 16 2017, 10:45 AM

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QUOTE(pisang @ Dec 16 2017, 10:40 AM)
for the HLB 3months BT ,0% interest, can i call the CS to ask for it?

or it's only for selected customers?
thanks.
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I did not receive SMS, I just call n ask only. U can try.
SzeMeng76
post Dec 16 2017, 11:57 AM

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QUOTE(fruitie @ Dec 16 2017, 11:51 AM)
HLB BT looks good eh. Can give it a shot, wondering if just owning MACH card will allow BT.. hmm.gif

Hmm your example above. Nov has no 31 days... Sorry, just can't help it. laugh.gif
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I think yes. Although this time the 0% it BT on my Essential statement.
But previously when my Mach approved, got promotional BT for new card holder,
I got apply BT and it on my Mach statement though. So you can try biggrin.gif

This post has been edited by SzeMeng76: Dec 16 2017, 11:57 AM
SzeMeng76
post Dec 16 2017, 12:11 PM

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QUOTE(fruitie @ Dec 16 2017, 12:01 PM)
Alright, thanks for the information. I will apply for it if I really need it. biggrin.gif
Gotta keep as backup. If I want, I will open a bank account in HLB just for them to transfer the money rather than transferring to my other cards. tongue.gif
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You no need to open HLB just specially for this BT. They can transfer to your saving accounts other than HLB.
SzeMeng76
post Dec 16 2017, 12:44 PM

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QUOTE(fruitie @ Dec 16 2017, 12:34 PM)
Wow, this is even better. Like no brainer if not taking.
Sorry, if this is a repeated question as I haven't been following up with HLB BT, does it require statements?
Actually I just want free money. blush.gif
Yes, this is very good. biggrin.gif
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No need. U just mention how much you want to BT. Then they will transfer the amount to your saving accounts. rclxms.gif
SzeMeng76
post Dec 16 2017, 05:40 PM

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QUOTE(gastacopz @ Dec 16 2017, 05:37 PM)
so what the best HLB card with for this BT to apply?

seems the offer is very good
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But it ending soon, until end of Dec 2017.
But you can apply for future use.
Mach is the best card in HLB, but it stop application already.
You can consider Essential. (0.6% unlimited, more than 5k - 1% unlimited CB)
https://www.hlb.com.my/en/personal-banking/...ntial-card.html
SzeMeng76
post Dec 20 2017, 09:56 AM

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QUOTE(fruitie @ Dec 20 2017, 09:44 AM)
I haven't seen mine yet.. Maybe they rejected my request? sad.gif
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When did you call? Usually is next day you can see your BT accounts created. Maybe you wait 1 more day and see.


QUOTE(westlife @ Dec 20 2017, 09:51 AM)
Campaign Period: 1 September 2017 - 31 March 2018 OR until the allocated fund* has fully depleted (whichever is earlier)
*
Yes we noticed that but somehow in TnC they did not update. Never mention how much is the "Allocated Fund", so just enjoy anything available now.
SzeMeng76
post Dec 20 2017, 03:58 PM

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QUOTE(fruitie @ Dec 20 2017, 03:46 PM)
I can see my CL available balance has reduced significantly and less than 10% now because I still spend in between. tongue.gif

I supposed my BT is already approved, however I cannot see it in my app or Hong Leong Connect page. Where can I see my BT account? I can only see my existing credit card.

Also, usually by when I will receive the fund in my bank account?

Thanks. biggrin.gif
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your BT accounts created under credit card section.
Maybe later you will see it.
For fund transfer maybe 1-2 days.
Me only 1 day after I saw BT accounts created.
But me is transferred to HLB savings, so maybe it faster.
SzeMeng76
post Dec 22 2017, 12:10 PM

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QUOTE(confusedway @ Dec 22 2017, 12:05 PM)
any clue that Public Bank will extend their 6m 0% BT program to next year?

btw if i have not complete the earlier BT can i do another BT with Public Bank card?

Thanks in advance.
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Can do few BT as long as your credit limit available.
SzeMeng76
post Dec 23 2017, 10:29 PM

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QUOTE(chonghe @ Dec 23 2017, 10:14 PM)
Don't worry. It usually take a month. Last time mine took 1 month and 1 week
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1 month? now he/she is mentioned never get charged on the processing fee.
not the waiver sweat.gif
SzeMeng76
post Dec 26 2017, 09:52 PM

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QUOTE(prescott2006 @ Dec 26 2017, 09:50 PM)
How about the amount? Just simply put one?
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Yes. Any amount. Total BT have to exceed RM 1000. Can combine different card.
SzeMeng76
post Jan 12 2018, 03:32 PM

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QUOTE(paogeh @ Jan 12 2018, 03:04 PM)
I have clear all my CC/BT on time every month AND NEVER MISSED ANY MONTHS ..
CRIS record is good too

However, lately , i got rejected trying to get NEW card for BT :
1.MBB BARCELONA
2. PBB QUATUM

I have included more supporting doc,
such as RENTAL  + ASNB (200k) + Etrade (USD19K) .
Could any expert advise me how to get those cards approve ?
thank you
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I think because this 2 bank quite strict on approve new cardholder.
Your BT will be resulted in CCRIS as outstanding balance until you clear off.
Maybe you have high DSR due to others BT?
SzeMeng76
post Jan 13 2018, 09:39 PM

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QUOTE(hdypenang @ Jan 13 2018, 09:29 PM)
Oh. But during the application for new CC, can or do I apply together the BT?
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Depend on bank. Some bank can, some cannot. The bank which can one will mentioned in the application form too.
Will have a part to fill in for balance transfer.
SzeMeng76
post Jan 16 2018, 09:14 PM

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QUOTE(popeye3rd @ Jan 16 2018, 09:12 PM)
Hi..let say if my statement balance is 2k but total outstanding is 5k, can I do BT from mbb to PB?
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Yes. Can. Just write your outstanding amount in the form. You are BT to PBB right? (0% for 6 months - 2k and above)
SzeMeng76
post Jan 16 2018, 09:30 PM

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QUOTE(popeye3rd @ Jan 16 2018, 09:21 PM)
Yes,correct MBB to PB. sorry forgot to mention that i wanna do BT for total outstanding and not only statement amount.

Any other bank that limiting BT only to statement amount.as normally some bank requires card statement for application
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for MBB & PBB, no statement required. Now both bank offering 0%. (MBB -12 mths / PBB - 6 mths)
SzeMeng76
post Jan 23 2018, 12:49 PM

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QUOTE(realitec @ Jan 23 2018, 12:43 PM)
Thanks, anyway to check when will this last? My BT will end at 27th February 2018, wish to apply again smile.gif 0% interest though.
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https://www.hlb.com.my/content/dam/hlb/my/i...connect-eng.pdf
until 31 March 2018.
But the link is in error already, maybe they fixing something.
SzeMeng76
post Jan 23 2018, 12:55 PM

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QUOTE(realitec @ Jan 23 2018, 12:50 PM)
Woah! This is for 12 months? Something new to me. I used to get BT from HLB for only 3 months though.
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Yes I think they implemented online system for BT application.
Thats why got campaign for 0% now.
Cuz I saw without campaign BT application for 6.99% column.
But now in error, they might fixing the system.
SzeMeng76
post Jan 27 2018, 07:53 AM

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QUOTE(red_scorpion @ Jan 27 2018, 03:34 AM)
The 5% will be show in the monthly statement? Or we need to calculate ourself? Really weird this hlb bt. Pay 5% first few months and pay balance on the last day. So if we pay wrongly, is there any penalty fees? Sure have right?

Guys, please understand the hlb bt before apply. Else u get charged for mis payment or overpayment.
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Yes. 5% shown on statement as minimum payment. Just pay according statement. And nowadays HLB statement showing when is ur BT expiry date. Just pay 1 day before that will do. Yes HLB bt will have early termination fee of rm 70 (if I'm not remember wrongly). Have to be careful on this.
SzeMeng76
post Feb 6 2018, 12:34 PM

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Attached Image

https://www.alliancebank.com.my/cards/perso...sfer-plans.aspx
SzeMeng76
post Feb 6 2018, 02:57 PM

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QUOTE(sendohz @ Feb 6 2018, 01:34 PM)
What  Affin Bank card would you recommend ?
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This is Alliance Bank ya. sweat.gif

https://www.alliancebank.com.my/cards/perso...nique-card.aspx
I'm holding this, Younique Rebate card.

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