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

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funlp
post Nov 13 2019, 02:24 PM

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QUOTE(LemonJane @ Nov 12 2019, 03:18 PM)
Does Affin's balance transfer require credit card statement of the other bank?
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No statement required. Just call CS & they will get the BT department to call you.
MARVIN333
post Nov 13 2019, 02:53 PM

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QUOTE(LemonJane @ Nov 12 2019, 03:14 PM)
Your card A will still remain valid and active!
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Noted on this. Thanks! smile.gif
LemonJane
post Nov 13 2019, 03:05 PM

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QUOTE(funlp @ Nov 13 2019, 02:24 PM)
No statement required. Just call CS & they will get the BT department to call you.
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Thanks
guy3288
post Nov 13 2019, 08:10 PM

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QUOTE(leo_kiatez @ Nov 12 2019, 11:43 PM)
Hlb promo only for 3mths until end Jan??
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3months of giving( int free money) that's enough time if you know how to
milk them dry

QUOTE(MGM @ Nov 13 2019, 07:25 AM)
How I wish I have increased my CL while still under employment.
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yeah often time heard people complain CL too high...….for me
no matter how high oso I take and max them out
leo_kiatez
post Nov 14 2019, 07:49 AM

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QUOTE(guy3288 @ Nov 13 2019, 08:10 PM)
3months of giving( int free money) that's enough time if you know how to
milk them dry
yeah often time heard people complain CL too high...….for me
no matter how high oso I take and max  them out
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How to max them out other than using BP? Running out of ideas....😆

This post has been edited by leo_kiatez: Nov 14 2019, 07:50 AM
guy3288
post Nov 15 2019, 07:35 PM

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QUOTE(leo_kiatez @ Nov 14 2019, 07:49 AM)
How to max them out other than using BP? Running out of ideas....😆
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add boost, other e wallets also perhaps
wym6977
post Nov 16 2019, 02:04 PM

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QUOTE(guy3288 @ Nov 12 2019, 06:26 PM)
thumbsup.gif  thumbsup.gif  thumbsup.gif

Perfect timing...PBB 0% FPP finishing, new 0% FPP from HLB  just in time..
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Any early settlement fee for this HLB 0%FPP?

Also can apply multiple times as long within the CL right?
guy3288
post Nov 16 2019, 04:02 PM

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QUOTE(wym6977 @ Nov 16 2019, 02:04 PM)
Any early settlement fee for this HLB 0%FPP?

Also can apply multiple times as long within the CL right?
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i think will be penalised if you want to settle all to cancel card.
better go check the T&C

As long as the offer is there online, yes can do multiple times, did that the last round
N_Silver
post Nov 17 2019, 07:44 PM

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Hi guys,anyone have being doing BT with UOB while have card with them?if yes,how long is the period and how much amount it provide(fllw our CL limit or what)
leo_kiatez
post Nov 18 2019, 11:17 AM

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QUOTE(guy3288 @ Nov 15 2019, 07:35 PM)
add boost, other e wallets also perhaps
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Minimum rm2k transaction only can 0% 12mth EPP rite? Boost max only 1.5k
btan
post Nov 18 2019, 02:16 PM

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limit over, fail to apply balancae transfer
LemonJane
post Nov 18 2019, 04:25 PM

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My daughter and I applied for Affin cards thinking we would take advantage of the zero% offer for balance transfer.
My application was turned down while she got hers approved.
She received her card today (first card ever) and walau, she was given a credit limit of only RM4,000.
Now the lowest of balance transfer at zero% is RM5,000!
So we have been busy fools
funlp
post Nov 19 2019, 01:25 PM

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QUOTE(LemonJane @ Nov 18 2019, 04:25 PM)
My daughter and I applied for Affin cards thinking we would take advantage of the zero% offer for balance transfer.
My application was turned down while she got hers approved.
She received her card today (first card ever) and walau, she was given a credit limit of only RM4,000.
Now the lowest of balance transfer at zero% is RM5,000!
So we have been busy fools
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So sorry to hear that. Which channel did you apply the cc?
LemonJane
post Nov 19 2019, 01:43 PM

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QUOTE(funlp @ Nov 19 2019, 01:25 PM)
So sorry to hear that. Which channel did you apply the cc?
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Direct apply to bank. Have to physically submit the applications. No online submission.
funlp
post Nov 19 2019, 01:46 PM

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QUOTE(LemonJane @ Nov 19 2019, 01:43 PM)
Direct apply to bank.  Have to physically submit the applications.  No online submission.
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Yeah, that's the only way but I was lucky enough to get CL 10k to facilitate my balance transfer.
btan
post Nov 19 2019, 05:26 PM

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recently really terrible, BT fail. so sad for it
GreenSamurai
post Nov 19 2019, 06:51 PM

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QUOTE(LemonJane @ Nov 18 2019, 04:25 PM)
My daughter and I applied for Affin cards thinking we would take advantage of the zero% offer for balance transfer.
My application was turned down while she got hers approved.
She received her card today (first card ever) and walau, she was given a credit limit of only RM4,000.
Now the lowest of balance transfer at zero% is RM5,000!
So we have been busy fools
*
If your daughter just started working then it’s normal to have low balance.
smaran44
post Nov 19 2019, 07:03 PM

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I was offered 20k balance transfer with 2% interest rate per annum as upfront fee. Monthly installment just need to pay minimal payment and settlement done on final month of tenure.
assuming you have some option to generate money with 4% per annum, would you consider this option?
jsnhoh
post Nov 19 2019, 07:11 PM

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QUOTE(smaran44 @ Nov 19 2019, 07:03 PM)
I was offered 20k balance transfer with 2% interest rate per annum as upfront fee. Monthly installment just need to pay minimal payment and settlement done on final month of tenure.
assuming you have some option to generate money with 4% per annum, would you consider this option?
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Yes
wym6977
post Nov 19 2019, 07:31 PM

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QUOTE(guy3288 @ Nov 16 2019, 04:02 PM)
i think will be penalised if you want to settle all to cancel card.
better go check the T&C

As long as the offer is there online, yes can do multiple times, did that the last round
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I sent an enquiry in HL Connect and they replied no early settlement or penalty...

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