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

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realitec
post Jan 26 2018, 11:00 AM

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QUOTE(realitec @ Jan 25 2018, 06:40 PM)
RM0.00 HLB Connect: Balance Transfer application of RM2,700.00 for credit card ending XXXX SUCCESSFUL. 25Jan2018 18:38:55, instant approval from HLB BT smile.gif
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Today morning, money already credited to my Citibank CC smile.gif THIS IS INSTANTLY FAST!
realitec
post Jan 26 2018, 12:08 PM

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QUOTE(busyman @ Jan 26 2018, 11:57 AM)
Want to ask for maybank.
Can we transfer the excess amount to maybank bank account ? If yes, any limit ?
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What do you mean by transfer excess amount to maybank account? You mean you paid excess to credit card, and now credit card transfer to your maybank saving?
realitec
post Jan 26 2018, 12:21 PM

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QUOTE(Ricky300 @ Jan 26 2018, 12:19 PM)
I guess this is the scenario
Owe credit card 3k ...request for BT of 6k...now your credit card has exceed payment of 3k
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I have seen previous posts, yes you can request to transfer to SA. But it subject to bank approval though, you may try to apply to transfer all? smile.gif Then update us the result maybe.
realitec
post Jan 26 2018, 02:12 PM

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QUOTE(fruitie @ Jan 26 2018, 02:07 PM)
Then ask them back, if you cannot refund the money back to me after I cancel the card, what are you going to do with my money?
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Forfeit? And write off as profit sad.gif This is sad.
realitec
post Jan 26 2018, 02:17 PM

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QUOTE(fruitie @ Jan 26 2018, 02:14 PM)
Of course they can't do this.
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But Bank is harsh sometimes. They will wait until you used up all the excess balance only let you to cancel the CC?
realitec
post Jan 26 2018, 02:36 PM

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QUOTE(fruitie @ Jan 26 2018, 02:33 PM)
No, they can't do it. Not about harsh or not, it is not up to them to do this. Worse comes to worst, escalate to BNM and let them deal with BNM.
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Yea good idea though. But too much hassle to get this solved. Better don't do excessive to credit card tongue.gif Unless you gonna spend it on something with that credit card.
realitec
post Jan 26 2018, 03:43 PM

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QUOTE(Iceman74 @ Jan 26 2018, 03:14 PM)
charges them interest for losses  biggrin.gif
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Sad, we are not bank tongue.gif They should provide us interest right, its like saving in CC.. hahahaha
realitec
post Jan 27 2018, 09:10 AM

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QUOTE(MGM @ Jan 27 2018, 08:24 AM)
C'S told me to pay big amount couple of days b4 expiry date n balance say RM50 on expiry date. Won't settling it 1 day earlier consider as early settlement?
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For my case, CS told me to pay on 16 Feb and 27 Feb. To be smart (maybe), I will settle most of the payment on 16th Feb and maybe left RM50 balance to pay on 27 Feb. Even if it consider as late payment, RM50 x 5% is not that much compared to RM70 early settlements fees.
realitec
post Jan 27 2018, 11:04 AM

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QUOTE(MGM @ Jan 27 2018, 10:19 AM)
And your expiry date is?
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27Feb as confirmed by CS via call.
realitec
post Jan 27 2018, 12:22 PM

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QUOTE(MGM @ Jan 27 2018, 11:09 AM)
You should reconfirm it in your BT statement via hlconnect just to be safe.
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Ahhh, no computer access currently, doesnt seems to find with HLB Connect apps though.
realitec
post Jan 27 2018, 12:45 PM

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QUOTE(bee993 @ Jan 27 2018, 12:43 PM)
13. Subject to Clause 6 above and the total credit limit of the Eligible Cardholder’s credit card account, the Eligible
Cardholder may apply for a second BT subject to HLB’s approval and HLB’s prevailing T&Cs and standard
balance transfer rate(s).
tot wan apply few bt to hlb coz diff statement n due date...only scare successive application rejected.anyone get 2nd bt from hlb oredi?
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I got my 2nd BT yesterday. Statement date and due date would be the same as all your credit cards as well as BT.
realitec
post Jan 28 2018, 02:00 AM

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QUOTE(fruitie @ Jan 28 2018, 01:44 AM)
It's such a pity that HLB BT doesn't allow BT to AEON, it shows invalid no. when I tried to BT via Citibank.

Has anyone tried before? Looks like I gotta BT AEON to my MBB and outstanding of MBB will BT to HLB. sad.gif
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For HLB BT 0% 12 months, only able to BT to 16 digits account number. Does Aeon BT account is 16 digits?
realitec
post Jan 28 2018, 12:24 PM

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QUOTE(fruitie @ Jan 28 2018, 11:50 AM)
Yes, it's a normal CC.
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Very strange, better call CS to understand further tongue.gif sorry cant help.
realitec
post Jan 29 2018, 07:12 AM

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QUOTE(MGM @ Jan 27 2018, 11:09 AM)
You should reconfirm it in your BT statement via hlconnect just to be safe.
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Statement Due Date 16-Feb-2018 is it this to check the expiry date? Otherwise it only shows credit card's expiry date instead of BT expiry date.
realitec
post Jan 29 2018, 09:25 AM

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QUOTE(MGM @ Jan 29 2018, 08:34 AM)
Download your BT statement from HLconnnect, and the expiry date is shown there. I think it follows the statement date.

I wonder is it the same for the 12m 0% BT? If yes, then applying this BT immediately after statement date will get almost 1 extra month of free credit.
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PLEASE NOTE THAT NORMAL 18% PA INTEREST
RATE APPLIES AS THE SPECIAL INTEREST
RATE EXPIRES ON 27022018

I saw this, as spoken with CS, they told me last payment = 27th February 2018 though.
Yes, the BT 12month 0% statement date is same as our CC/BT statement. So you will get almost 1 extra month of free credit smile.gif
realitec
post Jan 29 2018, 11:10 AM

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QUOTE(kyle_kl @ Jan 29 2018, 11:04 AM)
Did the HLB BT last Thursday, received money today but i didn't see the new BT account being created in HLConnect.
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Mine created instantly when it is approved.
realitec
post Jan 29 2018, 05:18 PM

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QUOTE(xxnazxx @ Jan 29 2018, 02:57 PM)
quick question, the HLB 0% 12 months BT on9 promo does not have any upfront fee right.

thanks. biggrin.gif
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Yes, no upfront fee.
realitec
post Jan 30 2018, 05:40 PM

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QUOTE(xxnazxx @ Jan 30 2018, 02:13 PM)
Thanks, i've been trying since yesterday. seems Hong Leong Connect is having a server problem. loading takes to long. anyone else facing such difficulties?

regards
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Everything seems good, have you done your BT with HLB?
realitec
post Jan 31 2018, 12:33 PM

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QUOTE(bee993 @ Jan 31 2018, 11:20 AM)
lol so fast approved mean 1st payment will include in this month statement,,,

i afraid coz due for my standcart is 8,

3more day hlb statement.

immedietly approved once submited
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Yeap. Mine approved around 20+ January, and 27 statement need to settle first installment of BT already doh.gif Shouldn't apply that fast to enjoy free interest free period.
realitec
post Jan 31 2018, 02:01 PM

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QUOTE(bee993 @ Jan 31 2018, 01:48 PM)
Ya..maybe is good also becoz hlb penalty if early settlement.
*
Yea right. So have to make sure the settlement date/due date correct tongue.gif

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