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Credit Cards Balance Transfer (BT) Plans V4 - Banks Offer List, Credit card debt consolidation
Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards|
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 Apr 9 2016, 06:25 PM, updated 8y ago
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#1
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2,392 posts Joined: Dec 2009 
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Click Here For V2 Click Here For V3 FAQ On BT Topics (Read This Before You Ask Any Questions. If Your Questions Are Not Covered By The FAQ, Pls Ask In Forum) In the spoiler are some of the most commonly asked questions in the thread. I have compiled them here for easier reference as not to repeat the same question all over » Click to show Spoiler - click again to hide... « ######### Listed below are banks current offering of Balance Transfer (BT) program As I do this on a non regular basis, so if there is any update on the balance transfer offering or mistake in my post, pls let me know by PM so that I can update / correct it Disclaimer : I am not responsible for any financial issues arise from using the information provided. As I cannot list down all the T & C impose by banks, pls make sure you double check with the banks on the BT topics before you make any of your decision Thanks ######### Banks Currently Offering 0% Balance Transfer » Click to show Spoiler - click again to hide... « Banks Currently Offering <= 3%/yr Balance Transfer » Click to show Spoiler - click again to hide... « General Balance Transfer Offering Bank Name : Public Bank » Click to show Spoiler - click again to hide... « Bank Name : Maybank » Click to show Spoiler - click again to hide... « Bank Name : RHB » Click to show Spoiler - click again to hide... « Bank Name : RHB Islamic » Click to show Spoiler - click again to hide... « Bank Name : Aeon Credit Service » Click to show Spoiler - click again to hide... « Bank Name : AmBank » Click to show Spoiler - click again to hide... « Bank Name : Al Rajhi Bank » Click to show Spoiler - click again to hide... « Bank Name : BSN » Click to show Spoiler - click again to hide... « Bank Name : CIMB » Click to show Spoiler - click again to hide... « Bank Name : OCBC » Click to show Spoiler - click again to hide... « Bank Name : Standard Charted » Click to show Spoiler - click again to hide... « Bank Name : MBF » Click to show Spoiler - click again to hide... « Bank Name : Citibank » Click to show Spoiler - click again to hide... « Bank Name : UOB » Click to show Spoiler - click again to hide... « Bank Name : Hong Leong » Click to show Spoiler - click again to hide... « Bank Name : Affin » Click to show Spoiler - click again to hide... « Bank Name : Alliance Bank » Click to show Spoiler - click again to hide... « |
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Apr 9 2016, 06:25 PM
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#2
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2,392 posts Joined: Dec 2009
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Apr 10 2016, 10:43 AM
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#3
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1,465 posts Joined: Feb 2009 
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Maybank BT 0% for 12 months?
Or is it a typo ? Attached thumbnail(s) 
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Apr 10 2016, 11:15 AM
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#4
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All Stars
11,740 posts Joined: Oct 2013 From: Her Heart 
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QUOTE(busyman @ Apr 10 2016, 10:43 AM) Maybank BT 0% for 12 months? but there's still upfront 3% fee.Or is it a typo ?  |
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Apr 10 2016, 11:17 AM
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#5
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QUOTE(busyman @ Apr 10 2016, 10:43 AM) Maybank BT 0% for 12 months? That's like 6% per annum. LolOr is it a typo ? |
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Apr 10 2016, 11:35 AM
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#6
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1,465 posts Joined: Feb 2009
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QUOTE(victorywp @ Apr 10 2016, 11:15 AM) but there's still upfront 3% fee. so it's really 0% with one time 3% fee ? |
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Apr 10 2016, 11:40 AM
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#7
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All Stars
11,740 posts Joined: Oct 2013 From: Her Heart
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QUOTE(busyman @ Apr 10 2016, 11:35 AM) so it's really 0% with one time 3% fee ? yes, it should be that meaning. |
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Apr 10 2016, 01:44 PM
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#8
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Junior Member
82 posts Joined: Aug 2006 From: Petaling Jaya
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we can only apply for BT when we receive the cc statement for other cc right? the interest free period is 20 days, usually receive the e-statement few days after the statement date, and the BT will be completed within 15 business days. won't it be late? sorry, new to BT
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Apr 10 2016, 01:58 PM
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#9
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QUOTE(crazyito @ Apr 10 2016, 01:44 PM) we can only apply for BT when we receive the cc statement for other cc right? the interest free period is 20 days, usually receive the e-statement few days after the statement date, and the BT will be completed within 15 business days. won't it be late? sorry, new to BT Most cases yesFor pbb, don't need statement though |
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Apr 10 2016, 02:35 PM
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#10
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6,483 posts Joined: Apr 2012
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QUOTE(busyman @ Apr 10 2016, 11:35 AM) so it's really 0% with one time 3% fee ? Have asked about BT from MBB (MBB Card & MBB Islamic Ikhwan Card)Ya, 0% for 12 months come with one time fee 3% but for Islamic Ikhwan Card there is no 3% charge in their website. However, the Card Center Staff told me it should be 3% too, not sure whether which one is correct Maybank Credit Card Balance Transfer rate Maybank Islamic Ikhwan Card Balance Transfer rate |
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Apr 10 2016, 02:47 PM
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2,677 posts Joined: Dec 2010
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QUOTE(sj0217 @ Apr 10 2016, 02:35 PM) Have asked about BT from MBB (MBB Card & MBB Islamic Ikhwan Card) Look interesting for the Ikhwan if there's no 3% Ya, 0% for 12 months come with one time fee 3% but for Islamic Ikhwan Card there is no 3% charge in their website. However, the Card Center Staff told me it should be 3% too, not sure whether which one is correct Maybank Credit Card Balance Transfer rate Maybank Islamic Ikhwan Card Balance Transfer rate  |
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Apr 10 2016, 03:02 PM
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2,112 posts Joined: Jul 2013
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QUOTE(sj0217 @ Apr 10 2016, 02:35 PM) Have asked about BT from MBB (MBB Card & MBB Islamic Ikhwan Card) Apply for the Ikhwan BT, and update us here then..Ya, 0% for 12 months come with one time fee 3% but for Islamic Ikhwan Card there is no 3% charge in their website. However, the Card Center Staff told me it should be 3% too, not sure whether which one is correct Maybank Credit Card Balance Transfer rate Maybank Islamic Ikhwan Card Balance Transfer rate  |
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Apr 10 2016, 03:51 PM
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1,465 posts Joined: Feb 2009
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QUOTE(sj0217 @ Apr 10 2016, 02:35 PM) Have asked about BT from MBB (MBB Card & MBB Islamic Ikhwan Card) interested with may bank BT, how much can we BT? 80% of CL? anyone experience more than 80% of CL ?Ya, 0% for 12 months come with one time fee 3% but for Islamic Ikhwan Card there is no 3% charge in their website. However, the Card Center Staff told me it should be 3% too, not sure whether which one is correct Maybank Credit Card Balance Transfer rate Maybank Islamic Ikhwan Card Balance Transfer rate Question Let say my Mbb CC statement date is 6th every month. So suppose my statement will be 6 may 2016, right now let say I have already spend RM100. I apple for BT from HL to MBB said next week(17/4/2016), and got approve. So where's the RM100 CC expenses go to ? will I still enjoy interest free period of 20 days after I got the 6 may 2016 statement? As I read somewhere that any expenses after the BT approve will be part of the loan. |
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Apr 10 2016, 03:53 PM
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2,392 posts Joined: Dec 2009
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QUOTE(busyman @ Apr 10 2016, 03:51 PM) interested with may bank BT, how much can we BT? 80% of CL? anyone experience more than 80% of CL ? you are trying to BT from HL to MBB or MBB to HL? although you did state it, your detail description still confused meQuestion Let say my Mbb CC statement date is 6th every month. So suppose my statement will be 6 may 2016, right now let say I have already spend RM100. I apple for BT from HL to MBB said next week(17/4/2016), and got approve. So where's the RM100 CC expenses go to ? will I still enjoy interest free period of 20 days after I got the 6 may 2016 statement? As I read somewhere that any expenses after the BT approve will be part of the loan. BT from HL to MBB means you ask MBB to pay HL cc statement This post has been edited by brotan: Apr 10 2016, 03:55 PM |
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Apr 10 2016, 03:58 PM
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#15
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6,483 posts Joined: Apr 2012
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QUOTE(CP88 @ Apr 10 2016, 02:47 PM) Look interesting for the Ikhwan if there's no 3% Somehow MBB staff told me, there will be 3% one time fee regardless Islamic and normal CardQUOTE(leo_kiatez @ Apr 10 2016, 03:02 PM) Apply for the Ikhwan BT, and update us here then.. Too bad as my credit limit for Islamic Card only RM1,000, so unable to process for BT |
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Apr 10 2016, 03:59 PM
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2,392 posts Joined: Dec 2009
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QUOTE(sj0217 @ Apr 10 2016, 03:58 PM) Somehow MBB staff told me, there will be 3% one time fee regardless Islamic and normal Card what the cs said make more sense because normally BT T&C are not tied to a type of ccToo bad as my credit limit for Islamic Card only RM1,000, so unable to process for BT but i can be wrong |
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Apr 10 2016, 04:07 PM
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1,465 posts Joined: Feb 2009
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QUOTE(brotan @ Apr 10 2016, 03:53 PM) you are trying to BT from HL to MBB or MBB to HL? although you did state it, your detail description still confused me BT from HL to MBB( ask MBB to pay HL)BT from HL to MBB means you ask MBB to pay HL cc statement |
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Apr 10 2016, 04:15 PM
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2,392 posts Joined: Dec 2009
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QUOTE(busyman @ Apr 10 2016, 04:07 PM) BT from HL to MBB( ask MBB to pay HL) In short treat the monthly instalment for bt same like your normal cc expenses |
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Apr 10 2016, 04:29 PM
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2,493 posts Joined: Mar 2014
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May I ask, if I already have 1 BT account under Aeon Watami, can I do another BT using another Aeon Gold?
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Apr 10 2016, 04:31 PM
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2,392 posts Joined: Dec 2009
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QUOTE(kelvinlzy @ Apr 10 2016, 04:29 PM) May I ask, if I already have 1 BT account under Aeon Watami, can I do another BT using another Aeon Gold? nope. need to clear your existing bt before making a new one |
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Apr 10 2016, 04:34 PM
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2,493 posts Joined: Mar 2014
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QUOTE(brotan @ Apr 10 2016, 04:31 PM) nope. need to clear your existing bt before making a new one Ok thanks for the quick reply. |
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Apr 10 2016, 06:16 PM
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Junior Member
82 posts Joined: Aug 2006 From: Petaling Jaya
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QUOTE(brotan @ Apr 10 2016, 01:58 PM) Most cases yes when you apply for BT, do you still pay your cc outstanding balance first? or you will just wait for the bank to transfer? have you experienced situation where the bank transfers AFTER the due date?For pbb, don't need statement though |
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Apr 10 2016, 08:05 PM
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2,392 posts Joined: Dec 2009
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QUOTE(crazyito @ Apr 10 2016, 06:16 PM) when you apply for BT, do you still pay your cc outstanding balance first? or you will just wait for the bank to transfer? have you experienced situation where the bank transfers AFTER the due date? Depends when u applyTo play safe, make sure u have the cash to pay in case the bt money late. Most cases if u apply early, no issue |
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Apr 10 2016, 08:55 PM
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215 posts Joined: May 2013
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Dude, i have RM10k debts in maybank cc. I can write off it but for some reasons i wish to defer the payment for a year. Anyone who can recommend me what are the best bank to offer BT right now?
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Apr 10 2016, 08:56 PM
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2,392 posts Joined: Dec 2009
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QUOTE(JustForCheonging @ Apr 10 2016, 08:55 PM) Dude, i have RM10k debts in maybank cc. I can write off it but for some reasons i wish to defer the payment for a year. Anyone who can recommend me what are the best bank to offer BT right now? aeon credit6 months what do u mean u can "write it off" ? This post has been edited by brotan: Apr 10 2016, 08:57 PM |
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Apr 10 2016, 08:59 PM
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215 posts Joined: May 2013
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QUOTE(brotan @ Apr 10 2016, 08:56 PM) aeon credit Sorry for the confusion. I can pay it off. Ok i will look into it. Just now i called to Maybank call centre that call attendant asked me to consult AKPK instead... Was looking for soft loan....6 months what do u mean u can "write it off" ? |
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Apr 10 2016, 09:00 PM
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Junior Member
82 posts Joined: Aug 2006 From: Petaling Jaya
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QUOTE(brotan @ Apr 10 2016, 08:05 PM) Depends when u apply ok, thanks for the reply To play safe, make sure u have the cash to pay in case the bt money late. Most cases if u apply early, no issue  |
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Apr 10 2016, 09:02 PM
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2,392 posts Joined: Dec 2009
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QUOTE(JustForCheonging @ Apr 10 2016, 08:59 PM) Sorry for the confusion. I can pay it off. Ok i will look into it. Just now i called to Maybank call centre that call attendant asked me to consult AKPK instead... Was looking for soft loan.... lol write it off and pay it off are totally different thingakpk is your really last choice. if possible don't go to them unless no other way |
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Apr 10 2016, 09:02 PM
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2,383 posts Joined: Feb 2015 From: IT wonderland  
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QUOTE(JustForCheonging @ Apr 10 2016, 08:59 PM) Sorry for the confusion. I can pay it off. Ok i will look into it. Just now i called to Maybank call centre that call attendant asked me to consult AKPK instead... Was looking for soft loan.... if you can pay it off , why dont pay it? instead get another loan to cover which may lead to dig another hole  |
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Apr 10 2016, 09:13 PM
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215 posts Joined: May 2013
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QUOTE(shirogawawa @ Apr 10 2016, 09:02 PM) if you can pay it off , why dont pay it? instead get another loan to cover which may lead to dig another hole :confused: I am buying time... if i can drag it for few mths more my investment will mature and yield even more money. |
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Apr 10 2016, 09:26 PM
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215 posts Joined: May 2013
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QUOTE(brotan @ Apr 10 2016, 09:02 PM) lol write it off and pay it off are totally different thing yeah i know, sorry for the confusion of "write off vs pay off". Do you think this is the best solution for my case? BT transfer from Maybank to Aeon Credit? How high would be the successful rate?akpk is your really last choice. if possible don't go to them unless no other way |
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Apr 10 2016, 10:48 PM
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2,392 posts Joined: Dec 2009
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QUOTE(JustForCheonging @ Apr 10 2016, 09:26 PM) yeah i know, sorry for the confusion of "write off vs pay off". Do you think this is the best solution for my case? BT transfer from Maybank to Aeon Credit? How high would be the successful rate? first off, u need to get your aeon cc approved. i don't know if your credit situation will cause issues or notif u can get the aeon card, then just bt. no brainer if u can't get it , i don't know then |
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Apr 10 2016, 11:18 PM
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215 posts Joined: May 2013
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QUOTE(brotan @ Apr 10 2016, 10:48 PM) first off, u need to get your aeon cc approved. i don't know if your credit situation will cause issues or not noted, will try and see whether is it feasible. if cannot then have to just pay off dy.if u can get the aeon card, then just bt. no brainer if u can't get it , i don't know then This post has been edited by JustForCheonging: Apr 10 2016, 11:33 PM |
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Apr 10 2016, 11:20 PM
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2,392 posts Joined: Dec 2009
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QUOTE(JustForCheonging @ Apr 10 2016, 11:18 PM) noted, will try and see weather is it feasible. if cannot then have to just pay off dy. try apply a few cards like pbb bsn too |
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Apr 11 2016, 03:43 PM
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565 posts Joined: Mar 2014
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One of the TnC for Aeon balance transfer:-
For each Cardholder account, this Balance Transfer programme is available to Cardholders once every 6 months effective from the posting date of the Balance Transfer amount. Further Balance Transfer application will not be considered until expiry of 6 months after the last approved Balance Transfer amount is posted to Cardholder account. Has anyone paid off their BT earlier (less than 6 mths) and apply for another BT before the expiry of 6 months and still get the BT approved? |
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Apr 11 2016, 08:35 PM
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#36
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663 posts Joined: Feb 2009
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QUOTE(ytan053 @ Apr 11 2016, 03:43 PM) One of the TnC for Aeon balance transfer:- I got another of my BT approved during my 4th repayment of the earlier BT. For each Cardholder account, this Balance Transfer programme is available to Cardholders once every 6 months effective from the posting date of the Balance Transfer amount. Further Balance Transfer application will not be considered until expiry of 6 months after the last approved Balance Transfer amount is posted to Cardholder account. Has anyone paid off their BT earlier (less than 6 mths) and apply for another BT before the expiry of 6 months and still get the BT approved? You may try your luck 😊 |
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Apr 12 2016, 01:40 PM
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26 posts Joined: Sep 2006
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i dont understand how you guys evaluate which one is the best BT. Help please.
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Apr 12 2016, 03:27 PM
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4,332 posts Joined: Nov 2004 From: Shadow Striker
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is the info updated?
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Apr 12 2016, 03:27 PM
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4,332 posts Joined: Nov 2004 From: Shadow Striker
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or shall i say is this thread updated?
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Apr 12 2016, 03:28 PM
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4,332 posts Joined: Nov 2004 From: Shadow Striker
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QUOTE(jmZ @ Apr 12 2016, 01:40 PM) i dont understand how you guys evaluate which one is the best BT. Help please. need to take out calculator This post has been edited by Petre: Apr 12 2016, 03:44 PM |
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Apr 13 2016, 03:54 AM
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Junior Member
26 posts Joined: Sep 2006
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ok...i plan to BT around 10K for the period of 6 to 12 months. which is the best? AEON? BSN? others?
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Apr 13 2016, 12:20 PM
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1,465 posts Joined: Feb 2009
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Hpw you guys normally apply for BT ?
Fax or manually mail through pos office ? |
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Apr 13 2016, 12:50 PM
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4,232 posts Joined: Apr 2011
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QUOTE(jmZ @ Apr 13 2016, 03:54 AM) ok...i plan to BT around 10K for the period of 6 to 12 months. which is the best? AEON? BSN? others? that depends on which bank card you have right?Personally, BT to PBB and AM is quite easy. PBB - fill up a form, no statement , email and done. AMBank - one phone call away. |
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Apr 13 2016, 12:51 PM
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4,232 posts Joined: Apr 2011
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QUOTE(busyman @ Apr 13 2016, 12:20 PM) Hpw you guys normally apply for BT ? Depending on which bank. See my previous reply.Fax or manually mail through pos office ? |
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Apr 13 2016, 01:43 PM
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1,465 posts Joined: Feb 2009
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After a quick read about the Maybank BT T&C, have some question about it.
I'm interested with either the 6 months plan with 0.5%pm or 12 months plan with 0% interest(but 3% one time fee) My questions are as below: - for 6 months plan, new account will be open, does it mean that if we swipe the card within the 6 months, no interest will be impose(mean we will have the same 20 days interest free cycle like normally?) - reducing balance BT? Said we do a 5K BT, so if we pay 0.5% interest monthly(reducing balance method), the interest will be less than the one time 3% fee on 12 months plan. right? - according to the T&C, we need to pay min 5% monthly. so can we like pay 5% for the 1st 5 months, then settle the rest on the last month? or need to pay equally every month? Anyone tried Maybank BT before please shed some light Tq  |
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Apr 13 2016, 01:49 PM
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4,232 posts Joined: Apr 2011
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QUOTE(busyman @ Apr 13 2016, 01:43 PM) After a quick read about the Maybank BT T&C, have some question about it. I did one before and it was an evenly distributed amount to pay monthly.I'm interested with either the 6 months plan with 0.5%pm or 12 months plan with 0% interest(but 3% one time fee) My questions are as below: - for 6 months plan, new account will be open, does it mean that if we swipe the card within the 6 months, no interest will be impose(mean we will have the same 20 days interest free cycle like normally?) - reducing balance BT? Said we do a 5K BT, so if we pay 0.5% interest monthly(reducing balance method), the interest will be less than the one time 3% fee on 12 months plan. right? - according to the T&C, we need to pay min 5% monthly. so can we like pay 5% for the 1st 5 months, then settle the rest on the last month? or need to pay equally every month? Anyone tried Maybank BT before please shed some light Tq but there are new promotions from time to time that may have different terms and conditions. |
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Apr 13 2016, 03:26 PM
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Junior Member
215 posts Joined: May 2013
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Applied AEON Credit Card dy, now proceed my application. Hopefully manage to get BT before next month.
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Apr 13 2016, 07:45 PM
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26 posts Joined: Sep 2006
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QUOTE(laymank @ Apr 13 2016, 01:50 PM) that depends on which bank card you have right? Actually dont have any cards from those banks. I have standard chartered but it i think its high interest. So either way i need to apply the card first right? i am looking for just a BT card.Personally, BT to PBB and AM is quite easy. PBB - fill up a form, no statement , email and done. AMBank - one phone call away. |
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Apr 13 2016, 09:26 PM
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Junior Member
215 posts Joined: May 2013
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Hi I have another question for BT (i have no experience whatsoever), only 1 CC debts can do BT or i can do multiple BT with other cards (into single account)?
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Apr 13 2016, 09:36 PM
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2,392 posts Joined: Dec 2009
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QUOTE(jmZ @ Apr 13 2016, 03:54 AM) ok...i plan to BT around 10K for the period of 6 to 12 months. which is the best? AEON? BSN? others? Check post 1 |
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Apr 13 2016, 09:37 PM
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2,392 posts Joined: Dec 2009
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QUOTE(JustForCheonging @ Apr 13 2016, 09:26 PM) Hi I have another question for BT (i have no experience whatsoever), only 1 CC debts can do BT or i can do multiple BT with other cards (into single account)? Multiple |
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Apr 13 2016, 10:12 PM
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215 posts Joined: May 2013
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QUOTE(brotan @ Apr 13 2016, 09:37 PM) Multiple Is it the maximum BT value subject to credit limit of the card? For instance, I have RM10k MBB and RM10k PBB debts, I wish to use BSN for BT transfer (only 15k credit limit), so i can only get RM10k MBB & RM5k PBB of BT? Sorry really newbie on this. |
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Apr 13 2016, 10:13 PM
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2,392 posts Joined: Dec 2009
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QUOTE(JustForCheonging @ Apr 13 2016, 10:12 PM) Is it the maximum BT value subject to credit limit of the card? Normally 80% of available limitFor instance, I have RM10k MBB and RM10k PBB debts, I wish to use BSN for BT transfer (only 15k credit limit), so i can only get RM10k MBB & RM5k PBB of BT? Sorry really newbie on this. |
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Apr 13 2016, 10:16 PM
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215 posts Joined: May 2013
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QUOTE(brotan @ Apr 13 2016, 10:13 PM) Normally 80% of available limit thanks bro, appreciate ur help.  Now instead of applying AEON, i have another 2 cards in my apply list which is PBB & BSN. Try to roll out as much cash as possible with lowest interest rate. |
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Apr 14 2016, 01:00 PM
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4,232 posts Joined: Apr 2011
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QUOTE(jmZ @ Apr 13 2016, 07:45 PM) Actually dont have any cards from those banks. I have standard chartered but it i think its high interest. So either way i need to apply the card first right? i am looking for just a BT card. You might want to consider cards that offer you more than just BT.Aeon Gold cards offers you free plaza premium lounge access + 6 months interest free BT. Likewise a few other cards. |
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Apr 14 2016, 03:04 PM
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Junior Member
50 posts Joined: Nov 2011
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if outstanding v maybank is 10k but my pbb credit limit is 30k , how many bt i can do?
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Apr 15 2016, 12:19 PM
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4,332 posts Joined: Nov 2004 From: Shadow Striker
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» Click to show Spoiler - click again to hide... « hi guys need to know whether these are worthy deals it says 8.99% per annum or 16.41% or 16.23% effective interest means, if BT 10k, just multiply with 16.41 or 16.23% will get the total cost is this correct? |
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Apr 15 2016, 12:55 PM
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2,392 posts Joined: Dec 2009
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QUOTE(Petre @ Apr 15 2016, 12:19 PM) » Click to show Spoiler - click again to hide... « hi guys need to know whether these are worthy deals it says 8.99% per annum or 16.41% or 16.23% effective interest means, if BT 10k, just multiply with 16.41 or 16.23% will get the total cost is this correct? |
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Apr 15 2016, 01:54 PM
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31 posts Joined: Sep 2011
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QUOTE(laymank @ Apr 14 2016, 01:00 PM) You might want to consider cards that offer you more than just BT. maybe can try uob as well if u looking for bt . 0 percent for half a year, 1 percent for one year. pm if u need for assistAeon Gold cards offers you free plaza premium lounge access + 6 months interest free BT. Likewise a few other cards. |
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Apr 15 2016, 01:56 PM
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31 posts Joined: Sep 2011
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QUOTE(brotan @ Apr 13 2016, 09:36 PM) Check post 1 if not using uob credit card , maybe can try as well as approval rate higher , 0 percent half year and 1 percent for one year . if need assist just pm me =). |
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Apr 15 2016, 01:58 PM
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Junior Member
31 posts Joined: Sep 2011
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QUOTE(busyman @ Apr 13 2016, 12:20 PM) Hpw you guys normally apply for BT ? thru bank staff. depend on which bank u applying .Fax or manually mail through pos office ? |
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Apr 15 2016, 03:21 PM
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Senior Member
4,332 posts Joined: Nov 2004 From: Shadow Striker
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QUOTE(brotan @ Apr 15 2016, 12:55 PM) not worth mind to elaborate a bit? my calculations correct? |
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Apr 15 2016, 03:24 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(Petre @ Apr 15 2016, 03:21 PM) mind to elaborate a bit? I didn't check your calculation but I did calculate last time for similar offer (free this and that) my calculations correct? U pay much more for the interest than the free gift value This one I don't know lah |
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Apr 15 2016, 11:46 PM
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Junior Member
565 posts Joined: Mar 2014
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I understand that we cant BT to supplementary card (experience from Public Bank, Alliance Bank) but can we BT from Mr.A's supplementary card to Mr.A's principal card?
Regarding HSBC's BT program, let say I have RM3,000 (1st BT) with HSBC at 0% for 3mths . If I do another BT of RM5,000 without clearing my 1st BT (outstanding still have RM2,000), will I get interest charge? This is because I understand that there is no more 20 days interest free after having 1st BT and everyone would suggest to keep the card in drawer. I will call CS to confirm, but at the mean time, appreciate any advice or experience HSBC BT user. Thank you in advance! |
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Apr 16 2016, 12:02 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(ytan053 @ Apr 15 2016, 11:46 PM) I understand that we cant BT to supplementary card (experience from Public Bank, Alliance Bank) but can we BT from Mr.A's supplementary card to Mr.A's principal card? check faq post #1Regarding HSBC's BT program, let say I have RM3,000 (1st BT) with HSBC at 0% for 3mths . If I do another BT of RM5,000 without clearing my 1st BT (outstanding still have RM2,000), will I get interest charge? This is because I understand that there is no more 20 days interest free after having 1st BT and everyone would suggest to keep the card in drawer. I will call CS to confirm, but at the mean time, appreciate any advice or experience HSBC BT user. Thank you in advance! |
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Apr 16 2016, 12:06 AM
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Junior Member
565 posts Joined: Mar 2014
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QUOTE(brotan @ Apr 16 2016, 12:02 AM) check faq post #1 I have checked the faq before posting it and it doesnt address my concern. I know I cant BT Mr.A Bank A principal card to Mr.A's Bank B supplementary card, but can I do it other way round (BT Mr.A's Bank B supplementary card to Mr.A's Bank A principal card)?It is still the same owner and name but different bank. The difference here is where it involves principal card and supplementary card of different banks (I know cant BT from same bank between principal and supplementary). |
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Apr 16 2016, 12:15 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(ytan053 @ Apr 16 2016, 12:06 AM) I have checked the faq before posting it and it doesnt address my concern. I know I cant BT Mr.A Bank A principal card to Mr.A's Bank B supplementary card, but can I do it other way round (BT Mr.A's Bank B supplementary card to Mr.A's Bank A principal card)? if not mistaken, supplementary card acc is tied to principalIt is still the same owner and name but different bank. The difference here is where it involves principal card and supplementary card of different banks (I know cant BT from same bank between principal and supplementary). since principal for both card is different, cannot do but you can always try and see if it works or u can call cs to ask and feedback here |
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Apr 16 2016, 12:30 AM
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Junior Member
565 posts Joined: Mar 2014
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QUOTE(brotan @ Apr 16 2016, 12:15 AM) if not mistaken, supplementary card acc is tied to principal Thanks. I will call the CS although I feel that likely it is not gonna get thru.since principal for both card is different, cannot do but you can always try and see if it works or u can call cs to ask and feedback here |
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Apr 17 2016, 01:52 PM
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Junior Member
215 posts Joined: May 2013
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Hi,
I have taken BT to the whole new level. Right now i have applied 1) Aeon CC 2) Public Bank CC 3) BSN CC And soon i may wanna apply Affin (quite interest their 7% one time for 36mths repayment plan, that would translate into 2.4% below per annual which is very ideal for me.) Any other CC that highly recommended? Just notice Alliance Bank has 4% 24mths, oh my that might be another to get list lol. This post has been edited by JustForCheonging: Apr 17 2016, 01:56 PM |
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Apr 17 2016, 02:54 PM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(JustForCheonging @ Apr 17 2016, 01:52 PM) Hi, did you applied all at one shot? lol...I have taken BT to the whole new level. Right now i have applied 1) Aeon CC 2) Public Bank CC 3) BSN CC And soon i may wanna apply Affin (quite interest their 7% one time for 36mths repayment plan, that would translate into 2.4% below per annual which is very ideal for me.) Any other CC that highly recommended? Just notice Alliance Bank has 4% 24mths, oh my that might be another to get list lol. |
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Apr 17 2016, 04:16 PM
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Junior Member
215 posts Joined: May 2013
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QUOTE(aromachong @ Apr 17 2016, 02:54 PM) did you applied all at one shot? lol... yes, 4 more sets of doc to submit tomorrow, 2 is for increase of credit limits, 2 more is for affin bank and alliance bank. I all in. I need 1 more credit card to swipe, prolly getting CIMB soon. |
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Apr 17 2016, 04:25 PM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(JustForCheonging @ Apr 17 2016, 04:16 PM) yes, 4 more sets of doc to submit tomorrow, 2 is for increase of credit limits, 2 more is for affin bank and alliance bank. I all in. lol. let us know if ur all cc / credit limit increase got approved at one shot.. I need 1 more credit card to swipe, prolly getting CIMB soon.  This post has been edited by aromachong: Apr 17 2016, 04:25 PM |
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Apr 17 2016, 06:35 PM
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Junior Member
215 posts Joined: May 2013
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QUOTE(aromachong @ Apr 17 2016, 04:25 PM) lol. let us know if ur all cc / credit limit increase got approved at one shot.. Try my luck. Hopefully it will. Afterall, bank seriously need more business and cash, i hope they dun mind dealing with me hehe. |
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Apr 17 2016, 08:30 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(JustForCheonging @ Apr 17 2016, 01:52 PM) Hi, Mind sharing link of Alliance 4%? Their website only can see (1) 6 months 0% for new to bank and (2) 8% p.a. for 24 monthsI have taken BT to the whole new level. Right now i have applied 1) Aeon CC 2) Public Bank CC 3) BSN CC And soon i may wanna apply Affin (quite interest their 7% one time for 36mths repayment plan, that would translate into 2.4% below per annual which is very ideal for me.) Any other CC that highly recommended? Just notice Alliance Bank has 4% 24mths, oh my that might be another to get list lol. QUOTE(ytan053 @ Apr 15 2016, 11:46 PM) I understand that we cant BT to supplementary card (experience from Public Bank, Alliance Bank) but can we BT from Mr.A's supplementary card to Mr.A's principal card? My maybank statement always lump both principal and supp due amount and list it under principal. So far i can BT the total with no question asked.Regarding HSBC's BT program, let say I have RM3,000 (1st BT) with HSBC at 0% for 3mths . If I do another BT of RM5,000 without clearing my 1st BT (outstanding still have RM2,000), will I get interest charge? This is because I understand that there is no more 20 days interest free after having 1st BT and everyone would suggest to keep the card in drawer. I will call CS to confirm, but at the mean time, appreciate any advice or experience HSBC BT user. Thank you in advance! Bank like RHB always split both principal & supp which i believe you then can't do what you intend to do. So depends on how they treat your account and statement i guess. |
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Apr 17 2016, 09:28 PM
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Junior Member
215 posts Joined: May 2013
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QUOTE(bearbear @ Apr 17 2016, 08:30 PM) Mind sharing link of Alliance 4%? Their website only can see (1) 6 months 0% for new to bank and (2) 8% p.a. for 24 months ops, I was referring front page and didnt see clearly that it is no longer available. thanks for pointing it out My maybank statement always lump both principal and supp due amount and list it under principal. So far i can BT the total with no question asked. Bank like RHB always split both principal & supp which i believe you then can't do what you intend to do. So depends on how they treat your account and statement i guess. I just did some searching, i cant find any BT plan for Affin (unable to access their official website) and im not sure whether Ringgit Plus or Imoney is correct.  This post has been edited by JustForCheonging: Apr 17 2016, 09:53 PM |
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Apr 17 2016, 10:10 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(JustForCheonging @ Apr 17 2016, 09:28 PM) ops, I was referring front page and didnt see clearly that it is no longer available. thanks for pointing it out Works fine for me, silly rates.I just did some searching, i cant find any BT plan for Affin (unable to access their official website) and im not sure whether Ringgit Plus or Imoney is correct. https://www.affinbank.com.my/getattachment/...P-Form.pdf.aspx |
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Apr 17 2016, 10:19 PM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(Comfy Guy @ Apr 17 2016, 10:13 PM) any sifu can share overpayment for bank which one is easier too allow excess fund withdrawal? so far I only tried maybank but about RM9k only the overpayment maybe should be able to do more than thatRHB try it too (both are from my experience) |
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Apr 17 2016, 10:20 PM
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Junior Member
215 posts Joined: May 2013
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QUOTE(bearbear @ Apr 17 2016, 10:10 PM) thanks for the link.Its not silly at all, for 36mths u only pay for 7%, thats effective rate of 2.33% per annual. I will prolly max up affin balance transfer 1st, and slowly pay it for 3 years. BSN comes second (24mth @ 4.5%) and 3rd would be PBB (24mth @ 5%). AEON will be last for short term cash rolling. |
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Apr 18 2016, 02:45 AM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(JustForCheonging @ Apr 17 2016, 10:20 PM) thanks for the link. it is not 7% effectively as you have to pay back in equal for 36 months. Its not silly at all, for 36mths u only pay for 7%, thats effective rate of 2.33% per annual. I will prolly max up affin balance transfer 1st, and slowly pay it for 3 years. BSN comes second (24mth @ 4.5%) and 3rd would be PBB (24mth @ 5%). AEON will be last for short term cash rolling. I believe you are catching the wrong concept, I hope you are not diggin bigger hole than you can fill. |
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Apr 18 2016, 07:23 AM
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Junior Member
215 posts Joined: May 2013
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QUOTE(bearbear @ Apr 18 2016, 02:45 AM) it is not 7% effectively as you have to pay back in equal for 36 months. Mind to elaborate it?I believe you are catching the wrong concept, I hope you are not diggin bigger hole than you can fill. |
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Apr 18 2016, 08:39 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(JustForCheonging @ Apr 18 2016, 07:23 AM) Mind to elaborate it? Meaning u r getting deeper into depth and finally you realize it is too deep and too late Cuz u can't pay the monthly instalment |
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Apr 18 2016, 09:03 AM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(JustForCheonging @ Apr 18 2016, 07:23 AM) Mind to elaborate it? the difference between house loan (flexi) and car loan.for this case they are doing it like car loan. Quite sure the effective % per annum is more than double of 7% over 2 years |
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Apr 18 2016, 09:11 AM
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Senior Member
4,724 posts Joined: Jul 2013 
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QUOTE(JustForCheonging @ Apr 17 2016, 10:20 PM) thanks for the link. it gets more scary when you said you want to take BT to whole new level.Its not silly at all, for 36mths u only pay for 7%, thats effective rate of 2.33% per annual. I will prolly max up affin balance transfer 1st, and slowly pay it for 3 years. BSN comes second (24mth @ 4.5%) and 3rd would be PBB (24mth @ 5%). AEON will be last for short term cash rolling. Bear in mind, bank is in the market to make money out of you. you need to read up. The affin bank 7% over 36months, should be at about 4-5% per year effective interest rate (EIR). BSN and PBB the EIR is about 8% - 9+% per year. if you don't need the BT, then these are not for you. if you do need it, it is better than paying 18% p.a. to the bank on the outstanding balance of your credit card. https://loanstreet.com.my/learning-centre/i...e-flat-interest https://loanstreet.com.my/calculator/flat-t...rest-calculator This post has been edited by adele123: Apr 18 2016, 09:12 AM |
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Apr 18 2016, 09:18 AM
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Junior Member
215 posts Joined: May 2013
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QUOTE(brotan @ Apr 18 2016, 08:39 AM) Meaning u r getting deeper into depth and finally you realize it is too deep and too late Cuz u can't pay the monthly instalment Thanks for ur advise. I have RM100k cash to standby for any unforeseen circumstances. Just i prefer venturing small business with abit aids from banks. |
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Apr 18 2016, 09:29 AM
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Senior Member
1,188 posts Joined: Sep 2008
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Hi all. Want to ask anyone tried Alliance Bank BT? Do they still give 20day free credit period for other swipes when we are on BT?
Want to apply their younique cc and surprise to know they give one time 0% interest BT for 12months. |
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Apr 18 2016, 09:47 AM
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Junior Member
215 posts Joined: May 2013
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QUOTE(adele123 @ Apr 18 2016, 09:11 AM) it gets more scary when you said you want to take BT to whole new level. Now u caught my attention. How do they calculate the interest rate?Bear in mind, bank is in the market to make money out of you. you need to read up. The affin bank 7% over 36months, should be at about 4-5% per year effective interest rate (EIR). BSN and PBB the EIR is about 8% - 9+% per year. if you don't need the BT, then these are not for you. if you do need it, it is better than paying 18% p.a. to the bank on the outstanding balance of your credit card. https://loanstreet.com.my/learning-centre/i...e-flat-interest https://loanstreet.com.my/calculator/flat-t...rest-calculator |
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Apr 18 2016, 09:51 AM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(JustForCheonging @ Apr 18 2016, 09:47 AM) Now u caught my attention. How do they calculate the interest rate? you are already been spoon-feeded with the calculator link, at the very least click in and find out  As i told you, you pay 7% for full lump sum but you are paying back monthly installment equally for 36 months. Does it not make sense to you that the interest will be more than what they try to con you into? tease you somemore, effective interest rate is >10% p.a. This post has been edited by bearbear: Apr 18 2016, 09:52 AM |
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Apr 18 2016, 10:31 AM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(JustForCheonging @ Apr 18 2016, 09:18 AM) Thanks for ur advise. I have RM100k cash to standby for any unforeseen circumstances. Just i prefer venturing small business with abit aids from banks. i don't see anything wrong here if your business could roll yield you more than >20% profit per year.. or more than that. |
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Apr 18 2016, 11:46 AM
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Senior Member
558 posts Joined: Jan 2003 From: HELL
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QUOTE(bearbear @ Apr 18 2016, 09:51 AM) you are already been spoon-feeded with the calculator link, at the very least click in and find out Don't jump the gun. 7% is the up-front fee for 36 months, which equivalent to flat rate of 2.33% pa or effective rate of about 4.7% pa, which isn't bad compare to credit card debt at 18% or ahlong. As i told you, you pay 7% for full lump sum but you are paying back monthly installment equally for 36 months. Does it not make sense to you that the interest will be more than what they try to con you into? tease you somemore, effective interest rate is >10% p.a. It is  that someone said to bring balance transfer to whole new level but couldn't differentiate between flat rate and effective rate. |
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Apr 18 2016, 12:10 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(roy918 @ Apr 18 2016, 11:46 AM) Don't jump the gun. 7% is the up-front fee for 36 months, which equivalent to flat rate of 2.33% pa or effective rate of about 4.7% pa, which isn't bad compare to credit card debt at 18% or ahlong. Please read and re-read It is that someone said to bring balance transfer to whole new level but couldn't differentiate between flat rate and effective rate. I am not jumping the gun, i present you with facts. The calculator is there. |
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Apr 18 2016, 12:10 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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Sorry double post
This post has been edited by bearbear: Apr 18 2016, 12:10 PM |
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Apr 18 2016, 12:37 PM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(roy918 @ Apr 18 2016, 11:46 AM) Don't jump the gun. 7% is the up-front fee for 36 months, which equivalent to flat rate of 2.33% pa or effective rate of about 4.7% pa, which isn't bad compare to credit card debt at 18% or ahlong. if his business can generate profit of >10-20% p.a then there should be nothing to worry aboutIt is   that someone said to bring balance transfer to whole new level but couldn't differentiate between flat rate and effective rate.maybe thats what he mean bring balance transfer to whole new level lol This post has been edited by aromachong: Apr 18 2016, 12:37 PM |
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Apr 18 2016, 01:11 PM
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Junior Member
215 posts Joined: May 2013
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QUOTE(roy918 @ Apr 18 2016, 11:46 AM) Don't jump the gun. 7% is the up-front fee for 36 months, which equivalent to flat rate of 2.33% pa or effective rate of about 4.7% pa, which isn't bad compare to credit card debt at 18% or ahlong. Aiya i am not professional in financial. Learning together mar. As i said if the average less than 3% per annual i will not hesitate to get it. I still do not understand how he cals the rate.It is that someone said to bring balance transfer to whole new level but couldn't differentiate between flat rate and effective rate. |
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Apr 18 2016, 01:39 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(JustForCheonging @ Apr 18 2016, 01:11 PM) Aiya i am not professional in financial. Learning together mar. As i said if the average less than 3% per annual i will not hesitate to get it. I still do not understand how he cals the rate. very simple illustrationi loan you 1000 for 2 months, fee is 2%. you pay back equally 1010 per month. After month 1, your make your payment thus your loan principal is 1000 (assuming you pay your fee upfront, as with BT usually). Problem is i still charge you 2% based on your initial loan principal of 2000. Thus it is not 2% Your case It is 7% / 3 years IF you only pay back your loan principal (10k or 100k) at end of loan tenure. But you are paying monthly equally yet they charge the % based on your initial loan principal. See the difference now? Well if you don't then i have to say just go ahead and make the bank richer. This post has been edited by bearbear: Apr 18 2016, 01:41 PM |
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Apr 18 2016, 02:35 PM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(JustForCheonging @ Apr 18 2016, 01:11 PM) Aiya i am not professional in financial. Learning together mar. As i said if the average less than 3% per annual i will not hesitate to get it. I still do not understand how he cals the rate. 100,000 credit limit. u can withdraw 80% credit limit example , rm80k u are about to get cashso u need a second credit card with 100k limit too. u can get from Aeon, or PB , BSN.. aeon offer 0% so u can make a BT and RM80k /6 months , or RM80k /12 months with a little interest to add on another way is when banks hav promotion u can cash out from your available limit. i will take above example again .. 100k .. some foreign banks allow u to take out all cash from ur cc.. interest as low as 3.99% .. so 100k / 12 months / 24 months / 36 months i still see it is a very low interest for businessman no? correct me if im wrong |
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Apr 18 2016, 05:09 PM
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Junior Member
215 posts Joined: May 2013
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QUOTE(bearbear @ Apr 18 2016, 01:39 PM) very simple illustration Dude just spoken to Affin Bank staff, he said that up front is only once so 7% (36mths tenure) for ur total BT value.i loan you 1000 for 2 months, fee is 2%. you pay back equally 1010 per month. After month 1, your make your payment thus your loan principal is 1000 (assuming you pay your fee upfront, as with BT usually). Problem is i still charge you 2% based on your initial loan principal of 2000. Thus it is not 2% Your case It is 7% / 3 years IF you only pay back your loan principal (10k or 100k) at end of loan tenure. But you are paying monthly equally yet they charge the % based on your initial loan principal. See the difference now? Well if you don't then i have to say just go ahead and make the bank richer. Lets say u BT RM10 k Up front payment is RM700 Ur principle will be split into 36mths which is average RM277.78 per mth. For others i am not sure yet. Anyway thanks for pointing it out. |
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Apr 18 2016, 05:31 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(JustForCheonging @ Apr 18 2016, 05:09 PM) Dude just spoken to Affin Bank staff, he said that up front is only once so 7% (36mths tenure) for ur total BT value. i said what i had to, so judge yourself Lets say u BT RM10 k Up front payment is RM700 Ur principle will be split into 36mths which is average RM277.78 per mth. For others i am not sure yet. Anyway thanks for pointing it out. |
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Apr 18 2016, 07:19 PM
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Senior Member
1,188 posts Joined: Sep 2008
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QUOTE(tbheng @ Apr 18 2016, 09:29 AM) Hi all. Want to ask anyone tried Alliance Bank BT? Do they still give 20day free credit period for other swipes when we are on BT? Found out myself from card application dept. Sharing here…They will create diff acct. Each month just pay min 5%. Card swipes still get 20 days free credit period. Good then!Want to apply their younique cc and surprise to know they give one time 0% interest BT for 12months. |
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Apr 18 2016, 07:56 PM
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Senior Member
4,724 posts Joined: Jul 2013
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QUOTE(JustForCheonging @ Apr 18 2016, 05:09 PM) Dude just spoken to Affin Bank staff, he said that up front is only once so 7% (36mths tenure) for ur total BT value. bearbear already knows how to calculate... it's you who do not understand.Lets say u BT RM10 k Up front payment is RM700 Ur principle will be split into 36mths which is average RM277.78 per mth. For others i am not sure yet. Anyway thanks for pointing it out. read the links i posted earlier... if you have read, you would have known how the banks calculate.. all the banks calculate the same way... |
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Apr 18 2016, 08:17 PM
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Junior Member
215 posts Joined: May 2013
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QUOTE(adele123 @ Apr 18 2016, 07:56 PM) bearbear already knows how to calculate... it's you who do not understand. Flat rate methodread the links i posted earlier... if you have read, you would have known how the banks calculate.. all the banks calculate the same way... Ok noted. Thanks for telling. I will study it before committing my BT. |
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Apr 19 2016, 10:27 PM
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Senior Member
4,928 posts Joined: Feb 2008 From: /K/opitiam Pak Hang Status: Permaban 
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https://ringgitplus.com/en/balance-transfer...-Programme.html
sifu.. if i opted from above link for example..10k, with 24 months 0% p.a. and no one-time upfront handling fee, means that 10k/24 only right? means 417 monthly.. correct or not? |
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Apr 19 2016, 10:32 PM
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Senior Member
616 posts Joined: Jan 2003 From: Penang
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QUOTE(gastacopz @ Apr 19 2016, 10:27 PM) https://ringgitplus.com/en/balance-transfer...-Programme.html Isn't the monthly payment = 5% of outstanding amount?sifu.. if i opted from above link for example..10k, with 24 months 0% p.a. and no one-time upfront handling fee, means that 10k/24 only right? means 417 monthly.. correct or not? |
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Apr 19 2016, 10:36 PM
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Senior Member
4,928 posts Joined: Feb 2008 From: /K/opitiam Pak Hang Status: Permaban
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QUOTE(scFoong @ Apr 19 2016, 10:32 PM) Isn't the monthly payment = 5% of outstanding amount?   mislook about that still, its ok right?5% from outstanding still ok with me and 2nd month, 5% is reducing right? or maintain..  from 500 > 475..or not? |
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Apr 20 2016, 04:31 PM
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Senior Member
4,332 posts Joined: Nov 2004 From: Shadow Striker
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hello sifus
need some info and guidance/professional advice current i got some CC debt that i would like to do a BT with is there any Bt plan that is 0 upfront fee/interest and can settle early without penalty? of course with low monthly interest... i read up and got a few like aeon, bsn... hsbc? thanks for advice |
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Apr 20 2016, 09:04 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(Petre @ Apr 20 2016, 04:31 PM) hello sifus check post #1need some info and guidance/professional advice current i got some CC debt that i would like to do a BT with is there any Bt plan that is 0 upfront fee/interest and can settle early without penalty? of course with low monthly interest... i read up and got a few like aeon, bsn... hsbc? thanks for advice |
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Apr 22 2016, 10:53 AM
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Senior Member
4,332 posts Joined: Nov 2004 From: Shadow Striker
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QUOTE(brotan @ Apr 20 2016, 09:04 PM) check post #1 thanks for the infoto those applied recently, any difference applying aeon card in the mall and thru online? gifts... offers... |
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Apr 22 2016, 02:54 PM
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Senior Member
4,928 posts Joined: Feb 2008 From: /K/opitiam Pak Hang Status: Permaban
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QUOTE(Petre @ Apr 22 2016, 10:53 AM) thanks for the info got gifts meh?to those applied recently, any difference applying aeon card in the mall and thru online? gifts... offers... tot wanna apply aeon bt too... via online..just submit the latest statement and the form.. |
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Apr 22 2016, 03:11 PM
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Senior Member
2,493 posts Joined: Mar 2014
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QUOTE(Petre @ Apr 22 2016, 10:53 AM) thanks for the info to those applied recently, any difference applying aeon card in the mall and thru online? gifts... offers... QUOTE(gastacopz @ Apr 22 2016, 02:54 PM) got gifts meh? Apply in the mall or Aeon Credit will get RM10 Aeon Voucher. Not sure about applying online though.tot wanna apply aeon bt too... via online..just submit the latest statement and the form.. |
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Apr 22 2016, 03:16 PM
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Senior Member
4,928 posts Joined: Feb 2008 From: /K/opitiam Pak Hang Status: Permaban
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QUOTE(kelvinlzy @ Apr 22 2016, 03:11 PM) Apply in the mall or Aeon Credit will get RM10 Aeon Voucher. Not sure about applying online though. the hassle to go there...  unless rm50...kinda worth it... |
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Apr 22 2016, 03:32 PM
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Senior Member
2,493 posts Joined: Mar 2014
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QUOTE(gastacopz @ Apr 22 2016, 03:16 PM) the hassle to go there... unless rm50...kinda worth it... |
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Apr 22 2016, 03:36 PM
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Senior Member
4,928 posts Joined: Feb 2008 From: /K/opitiam Pak Hang Status: Permaban
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QUOTE(kelvinlzy @ Apr 22 2016, 03:32 PM) Don't purposely go there to just apply la..lol..Apply it when you are doing your grocery, shopping etc. haha...i just call them..they said no promotion also for walk in customer..cannot wait any longer..later late approve |
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Apr 23 2016, 08:41 PM
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Junior Member
215 posts Joined: May 2013
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Looks like i failed to secure CC this time. My application was rejected for affin and AEON. (Alliance and PBB still pending)
However i have applied UOB loan 3.99% per annual @ 12mths tenure and HLB loan 5.60% per annual @ 24mths tenure for RM39.4k combined. Should be sufficient for my business expension and share allocation. This post has been edited by JustForCheonging: Apr 23 2016, 08:42 PM |
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Apr 24 2016, 10:42 AM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(JustForCheonging @ Apr 23 2016, 08:41 PM) Looks like i failed to secure CC this time. My application was rejected for affin and AEON. (Alliance and PBB still pending) that is why i congratulates you in first place for putting all unsecured loans together in first placeHowever i have applied UOB loan 3.99% per annual @ 12mths tenure and HLB loan 5.60% per annual @ 24mths tenure for RM39.4k combined. Should be sufficient for my business expension and share allocation. pbb will follow.. alliance 70% follow too uob i duno maybe uob will take the risk .. if uob took more than 14 days pending prepare to see all reject |
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Apr 24 2016, 01:24 PM
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Junior Member
215 posts Joined: May 2013
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QUOTE(aromachong @ Apr 24 2016, 10:42 AM) that is why i congratulates you in first place for putting all unsecured loans together in first place Already had UOB cc with me previously. Luckily a kind lady called me and informed me about the promo. I have abandoned the thought of getting BT this time, thanks for all your advises pbb will follow.. alliance 70% follow too uob i duno maybe uob will take the risk .. if uob took more than 14 days pending prepare to see all reject |
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Apr 25 2016, 12:14 AM
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Junior Member
24 posts Joined: Oct 2004
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AEON offer 0%, no upfront fee and no early termination penalty, seems like too good too be true. any hidden charges?
I was thinking of paying my bills with CC X for utilities rebate, then bt to AEON, then clear with CC Y for online rebate via POSOnline you guys think it's worth the hassle? |
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Apr 25 2016, 08:16 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(kerrigan_id @ Apr 25 2016, 12:14 AM) AEON offer 0%, no upfront fee and no early termination penalty, seems like too good too be true. any hidden charges? Drawback. Only allow bt every 6 monthsI was thinking of paying my bills with CC X for utilities rebate, then bt to AEON, then clear with CC Y for online rebate via POSOnline you guys think it's worth the hassle? |
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Apr 25 2016, 02:54 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(Comfy Guy @ Apr 25 2016, 02:14 PM) Can we do early settlement with Aeon BT, then request another BT? Wonder why u want to do that?settle the installment for month 6? so u can apply balance transfer every 5 months? |
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Apr 26 2016, 11:30 PM
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Junior Member
332 posts Joined: Mar 2010 From: 1Malaysia 
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Hello sifus, credit card and balance transfer is new to me, just wondering how does this work?
So, I have two credit cards from two different banks, can I transfer both debts to one bank only and enjoy lowered interest rates? 6 months is a bit hefty IMO albeit the 0% interest, 1 year should be good. Any suggestions for the best solution will be very much appreciated! |
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Apr 26 2016, 11:55 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(megabyte @ Apr 26 2016, 11:30 PM) Hello sifus, credit card and balance transfer is new to me, just wondering how does this work? u can transfer both card debt to 1 bank provided that bank is not the issuer of both cardsSo, I have two credit cards from two different banks, can I transfer both debts to one bank only and enjoy lowered interest rates? 6 months is a bit hefty IMO albeit the 0% interest, 1 year should be good. Any suggestions for the best solution will be very much appreciated! |
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Apr 27 2016, 08:57 AM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(megabyte @ Apr 26 2016, 11:30 PM) Hello sifus, credit card and balance transfer is new to me, just wondering how does this work? If you think 6 months 0% interest is hefty, you should not have spent so much in the first place. Imagine you have to pay ALL in 20 days if there is no BT.So, I have two credit cards from two different banks, can I transfer both debts to one bank only and enjoy lowered interest rates? 6 months is a bit hefty IMO albeit the 0% interest, 1 year should be good. Any suggestions for the best solution will be very much appreciated! |
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Apr 27 2016, 02:41 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(laymank @ Apr 27 2016, 08:57 AM) If you think 6 months 0% interest is hefty, you should not have spent so much in the first place. Imagine you have to pay ALL in 20 days if there is no BT. i guess he already realize the trouble he is getting himself into because he can't pay his cc on time that's why looking at BT option |
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Apr 27 2016, 02:44 PM
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Junior Member
332 posts Joined: Mar 2010 From: 1Malaysia
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QUOTE(brotan @ Apr 26 2016, 11:55 PM) u can transfer both card debt to 1 bank provided that bank is not the issuer of both cards Subjective to approval rite? What exactly documents are required to apply? QUOTE(laymank @ Apr 27 2016, 08:57 AM) If you think 6 months 0% interest is hefty, you should not have spent so much in the first place. Imagine you have to pay ALL in 20 days if there is no BT. I needed some furniture for my new house, what to do right with this current economy situation?  , in normal days I don't really use credit card that much. In fact I'm still kinda new to debts. I'm wondering if I can just request to turn these credit card loans into term loans for lower interest rates or consider getting a BT |
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Apr 27 2016, 03:15 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(megabyte @ Apr 27 2016, 02:44 PM) Subjective to approval rite? What exactly documents are required to apply? new credit card application of course subject for approvalI needed some furniture for my new house, what to do right with this current economy situation? , in normal days I don't really use credit card that much. In fact I'm still kinda new to debts. I'm wondering if I can just request to turn these credit card loans into term loans for lower interest rates or consider getting a BT for balance transfer officially need approval but normally very simple. mainly need the cc statement you want to transfer from + the bt application form. some banks is ok without the cc statement or bt form or both |
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Apr 28 2016, 03:13 PM
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Junior Member
183 posts Joined: Jan 2003
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Hi guys,
Just wondering whether it is ok to send the Aeon balance transfer form to their email instead of faxing it. Thanks. |
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Apr 28 2016, 04:39 PM
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Junior Member
544 posts Joined: Sep 2008
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I'm just completed BT from CIMB to MBB... 12 months 0%
RM2700 (BT amount) + up front 3% (RM81) + GST (RM4.86) |
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Apr 29 2016, 12:38 AM
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Junior Member
334 posts Joined: Dec 2008
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QUOTE(MyStiC @ Apr 28 2016, 03:13 PM) Hi guys, Can. I've done that before.Just wondering whether it is ok to send the Aeon balance transfer form to their email instead of faxing it. Thanks. |
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Apr 29 2016, 08:13 AM
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Junior Member
183 posts Joined: Jan 2003
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QUOTE(PsychoJoe @ Apr 29 2016, 12:38 AM) Can. I've done that before. That's great. So I can send to their customer service email right? |
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May 2 2016, 09:14 AM
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Senior Member
1,168 posts Joined: Jun 2006
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Do Aeon BT need to submit other credit cards statement together?
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May 2 2016, 09:17 AM
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Senior Member
6,483 posts Joined: Apr 2012
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QUOTE(shiroikun @ May 2 2016, 09:14 AM) Do Aeon BT need to submit other credit cards statement together? Yes, need to submit other statement and Aeon BT form together |
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May 3 2016, 03:00 AM
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Junior Member
334 posts Joined: Dec 2008
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QUOTE(MyStiC @ Apr 29 2016, 08:13 AM) That's great. So I can send to their customer service email right? Sorry just saw this - was away for the long weekend. The answer is yes. |
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May 3 2016, 10:14 AM
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Senior Member
16,872 posts Joined: Jun 2011
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Hi Sifus,
Let's say BT for 6 months 1.88% I BT RM2400 Interest RM45.12 The bank disclosure sheet shows: http://www.ocbc.com.my/assets/pdf/cardspro.../BT_TnC_Eng.pdf 3.42% ANNUALISED EFFECTIVE RATE, but my own calculation shows that it's not so. RM2400 BT amount Month 1 pay RM445.12 Month 2 to 6 pay RM400 My calculation shows 6.5% Can I sue the bank for misrepresentation??? |
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May 10 2016, 10:40 AM
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Senior Member
1,168 posts Joined: Jun 2006
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For Aeon BT 6 months 0%, let's say we BT total of 10k, so the first 5 months we can pay only 5% of 10k each month and the 6th month statement before payment due date we settle full amount. In this way, we won't charge interest? Or we need to actually 10k divided into 6 installment?
Another question, for Aeon can we BT more than statement amount? example 8k outstanding and we transfer 10k |
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May 10 2016, 11:01 AM
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Senior Member
3,902 posts Joined: Jul 2007
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QUOTE(shiroikun @ May 10 2016, 10:40 AM) For Aeon BT 6 months 0%, let's say we BT total of 10k, so the first 5 months we can pay only 5% of 10k each month and the 6th month statement before payment due date we settle full amount. In this way, we won't charge interest? Or we need to actually 10k divided into 6 installment? 10k into 6 installments, each installment will be billed into your monthly statement. Another question, for Aeon can we BT more than statement amount? example 8k outstanding and we transfer 10k For AEON, only the statement amount, round up to the nearest ringgit. |
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May 10 2016, 11:07 AM
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Senior Member
1,168 posts Joined: Jun 2006
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QUOTE(lamode @ May 10 2016, 11:01 AM) 10k into 6 installments, each installment will be billed into your monthly statement. Thanks, it will be nice if statement is not needed. If transferring big sum of amount, it's quite hard to settle in 6 months only. For AEON, only the statement amount, round up to the nearest ringgit.  |
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May 10 2016, 01:01 PM
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Senior Member
2,493 posts Joined: Mar 2014
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QUOTE(shiroikun @ May 10 2016, 11:07 AM) Thanks, it will be nice if statement is not needed. If transferring big sum of amount, it's quite hard to settle in 6 months only. If settle in 6 months is quite hard for you, then maybe you should consider before spending that big sum. |
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May 10 2016, 01:35 PM
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Senior Member
2,677 posts Joined: Dec 2010
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QUOTE(Pink Spider @ May 3 2016, 10:14 AM) Hi Sifus, Finding alternative income instead from Bursa? Let's say BT for 6 months 1.88% I BT RM2400 Interest RM45.12 The bank disclosure sheet shows: http://www.ocbc.com.my/assets/pdf/cardspro.../BT_TnC_Eng.pdf 3.42% ANNUALISED EFFECTIVE RATE, but my own calculation shows that it's not so. RM2400 BT amount Month 1 pay RM445.12 Month 2 to 6 pay RM400 My calculation shows 6.5% Can I sue the bank for misrepresentation??? |
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May 12 2016, 09:44 PM
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Junior Member
29 posts Joined: Aug 2010
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hi sifu
i able to save around 3000/month but if i just put it straight into bank , i only manage to get min dividend from it so , i plan to use cashlite service from cimb to borrow rm18000 with 5.99 interest p.a for 12 month and no advance fee then i BT STRAIGHT AWAY to Aeon card for 6 month to avoid interest from cimb The money ( 18000) i will put into f.d which give me dividend IT is possible and good idea? Can i BT straight away from CIMb to Aeon ? or i still need to pa the interest |
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May 13 2016, 07:46 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(razor21 @ May 12 2016, 09:44 PM) hi sifu What u talking about? U already unfront pay 5.99% interest to CIMB..it is much more than the FD interest. No point to do balance transfer to AEON credit card. i able to save around 3000/month but if i just put it straight into bank , i only manage to get min dividend from it so , i plan to use cashlite service from cimb to borrow rm18000 with 5.99 interest p.a for 12 month and no advance fee then i BT STRAIGHT AWAY to Aeon card for 6 month to avoid interest from cimb The money ( 18000) i will put into f.d which give me dividend IT is possible and good idea? Can i BT straight away from CIMb to Aeon ? or i still need to pa the interest Unless you telling me that 5.99% no need to pay to CIMB when u do a full amount of balance transfer immediate you apply the cimb lite. U need to check any penanlthy on earlier settlement on CIMB. |
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May 14 2016, 11:53 AM
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Junior Member
29 posts Joined: Aug 2010
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QUOTE(sms2u @ May 13 2016, 07:46 PM) What u talking about? U already unfront pay 5.99% interest to CIMB..it is much more than the FD interest. No point to do balance transfer to AEON credit card. Unless you telling me that 5.99% no need to pay to CIMB when u do a full amount of balance transfer immediate you apply the cimb lite. U need to check any penanlthy on earlier settlement on CIMB. i thought the interest will be charge once we pay the installment for the cimb cashlite i plan to BT even before first installment yea it true .... it not worth if the bank straight away charge you rm 1062 for rm18000 loan even before 1st installment one more thing... i think there is no early settlement charge last time i check in th internet |
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May 14 2016, 12:14 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(razor21 @ May 14 2016, 11:53 AM) i thought the interest will be charge once we pay the installment for the cimb cashlite U can refer to section below in the url belowi plan to BT even before first installment yea it true .... it not worth if the bank straight away charge you rm 1062 for rm18000 loan even before 1st installment one more thing... i think there is no early settlement charge last time i check in th internet Section What if I fully settle the CashLite facility before its maturity? URL http://www.cimbbank.com.my/content/dam/cim...ant-mar2016.pdf Also T&C http://www.cimbbank.com.my/content/dam/cim...ant-mar2016.pdf U need at least to inform CIMB prior to terminate the cash lite in 30 days. In that case, u already need to pay for the interest for first 30 days. May be u can still earn a bit from FD interest rate if you immediate choose to terminate the Cash List onc eCIMB approved it and release to you. But, too many work to do and also depend the amount applied and aprroved. Not worth to do that. U need to consider also whether it will give any impact to your record in CIMB or crisss. |
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May 14 2016, 12:52 PM
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Junior Member
29 posts Joined: Aug 2010
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QUOTE(sms2u @ May 14 2016, 12:14 PM) U can refer to section below in the url below thank you very much...Section What if I fully settle the CashLite facility before its maturity? URL http://www.cimbbank.com.my/content/dam/cim...ant-mar2016.pdf Also T&C http://www.cimbbank.com.my/content/dam/cim...ant-mar2016.pdf U need at least to inform CIMB prior to terminate the cash lite in 30 days. In that case, u already need to pay for the interest for first 30 days. May be u can still earn a bit from FD interest rate if you immediate choose to terminate the Cash List onc eCIMB approved it and release to you. But, too many work to do and also depend the amount applied and aprroved. Not worth to do that. U need to consider also whether it will give any impact to your record in CIMB or crisss. |
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May 15 2016, 08:40 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(shiroikun @ May 10 2016, 10:40 AM) For Aeon BT 6 months 0%, let's say we BT total of 10k, so the first 5 months we can pay only 5% of 10k each month and the 6th month statement before payment due date we settle full amount. In this way, we won't charge interest? Or we need to actually 10k divided into 6 installment? 1. The bt amount is divided equally 6 months charged to your cc every month and u r expected to pay them every time on time every month, just like your normal cc spending. Just like normal spending, if u missed payment, you will be charged standard cc interest (12% to 18%) Another question, for Aeon can we BT more than statement amount? example 8k outstanding and we transfer 10k 2. Not for aeon |
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May 15 2016, 08:45 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(shiroikun @ May 10 2016, 11:07 AM) Thanks, it will be nice if statement is not needed. If transferring big sum of amount, it's quite hard to settle in 6 months only. Firstly, why even owe/spend that amount in the 1st place if you can't afford to pay within 6 months?Secondly, if you really need to spend that amount due to emergency cases (medical, etc) which is out of your control and 6 months is too much for you, can consider BSN. They have 36 months installment with interest but not high Check out all available options in post #1 This post has been edited by brotan: May 15 2016, 08:45 AM |
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May 16 2016, 11:52 AM
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Senior Member
5,469 posts Joined: Jun 2008
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hello mates, i saw that the cheapest BT is aeon cc? is there any annual fees or bank charges? i do not have any aeon CC now. any other cc that have 0% interest and maybe 0% fees and no bank charges at all ? be it annual fees or watever fees?
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May 16 2016, 01:57 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(klthor @ May 16 2016, 11:52 AM) hello mates, i saw that the cheapest BT is aeon cc? is there any annual fees or bank charges? i do not have any aeon CC now. any other cc that have 0% interest and maybe 0% fees and no bank charges at all ? be it annual fees or watever fees? it is free for AEON but they have a rule of only one BT every 6 months.Aeon CC annual fee are waived upon making 12 transactions a year. |
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May 16 2016, 02:35 PM
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Senior Member
5,469 posts Joined: Jun 2008
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QUOTE(bearbear @ May 16 2016, 01:57 PM) it is free for AEON but they have a rule of only one BT every 6 months. thanks, that is good enuff.Aeon CC annual fee are waived upon making 12 transactions a year. |
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May 18 2016, 10:50 PM
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Senior Member
2,493 posts Joined: Mar 2014
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Wanted to BT from UOB to Aeon, who knows the cash rebate offset the RM1k spending, now my statement is only RM996++. Aeon won't round it up to RM1k right?
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May 19 2016, 01:24 AM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(kelvinlzy @ May 18 2016, 10:50 PM) Wanted to BT from UOB to Aeon, who knows the cash rebate offset the RM1k spending, now my statement is only RM996++. Aeon won't round it up to RM1k right? either same amount or less . u can attach the unbill tx if u have. See whether they allow or not |
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May 19 2016, 10:11 AM
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Senior Member
2,493 posts Joined: Mar 2014
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QUOTE(sms2u @ May 19 2016, 01:24 AM) either same amount or less . u can attach the unbill tx if u have. See whether they allow or not Thanks but CS said not allowed. They only see statements. Nonetheless I will still attach it  |
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May 19 2016, 12:30 PM
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Junior Member
354 posts Joined: Aug 2012
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QUOTE(kelvinlzy @ May 19 2016, 10:11 AM) Thanks but CS said not allowed. They only see statements. Nonetheless I will still attach it I managed to do BT from UOB to Aeon recently. For my case, Aeon approved BT RM3K and statement balance I showed to them is RM2994.20.So, sometime they might allow for round up. I think it is based on case by case basis. |
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May 19 2016, 01:40 PM
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All Stars
21,308 posts Joined: Jan 2003 From: Kuala Lumpur
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I just noticed my PBB BT installment plans has been posted earlier than normal.
Usually it's posted on Statement Date. Now it's posted right after passed the previous Statement Date  |
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May 19 2016, 02:01 PM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(ronnie @ May 19 2016, 01:40 PM) I just noticed my PBB BT installment plans has been posted earlier than normal. request to change statement date to after posting date, then. LOL! Usually it's posted on Statement Date. Now it's posted right after passed the previous Statement Date |
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May 19 2016, 06:31 PM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(ronnie @ May 19 2016, 01:40 PM) I just noticed my PBB BT installment plans has been posted earlier than normal. Yes, i saw that.. But, no difference whether is on statement date or after statement date, as long as we still got 20 days interest free from statement date. Usually it's posted on Statement Date. Now it's posted right after passed the previous Statement Date We didn't loss anything on this.. |
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May 19 2016, 07:16 PM
Show posts by this member only | IPv6 | Post
#154
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Junior Member
174 posts Joined: Jul 2011
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QUOTE(ronnie @ May 19 2016, 01:40 PM) I just noticed my PBB BT installment plans has been posted earlier than normal. I realize that too. Maybe they purposely put in earlier to remind u that u have more outstanding balance to clear nx month. :-PUsually it's posted on Statement Date. Now it's posted right after passed the previous Statement Date This post has been edited by kelvintt: May 19 2016, 07:16 PM |
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May 20 2016, 09:41 AM
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All Stars
21,308 posts Joined: Jan 2003 From: Kuala Lumpur
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QUOTE(mamamia @ May 19 2016, 06:31 PM) Yes, i saw that.. But, no difference whether is on statement date or after statement date, as long as we still got 20 days interest free from statement date. Same for us. but curious why the change ?We didn't loss anything on this.. |
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May 20 2016, 10:31 AM
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All Stars
18,404 posts Joined: Oct 2010
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QUOTE(ronnie @ May 20 2016, 09:41 AM) Same for us. but curious why the change ? If they are posted at end of statement (say 20th) and if u request to change the next statement to a earlier date (say 16th), u effectively delay the BT by ~ 1 month, cos the BT transactions will still be dated on 20th n will appear on the next statement. I hope u all understand my explanation. |
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May 20 2016, 11:11 AM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(MGM @ May 20 2016, 10:31 AM) If they are posted at end of statement (say 20th) and if u request to change the next statement to a earlier date (say 16th), u effectively delay the BT by ~ 1 month, cos the BT transactions will still be dated on 20th n will appear on the next statement. I hope u all understand my explanation. Different bank has different 'flexibility' in changing the statement date. Most of them will say it will take effect in the Next cycle, which is not immediately. |
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May 20 2016, 11:18 AM
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All Stars
18,404 posts Joined: Oct 2010
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QUOTE(laymank @ May 20 2016, 11:11 AM) Different bank has different 'flexibility' in changing the statement date. No diff, BT payment will still be delayed by 1 month.Most of them will say it will take effect in the Next cycle, which is not immediately. |
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May 21 2016, 03:51 PM
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All Stars
14,039 posts Joined: Jan 2003
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Any HSBC balance transfer, they don't split the monthly by month? Thanks
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May 23 2016, 08:27 AM
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Senior Member
1,188 posts Joined: Sep 2008
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QUOTE(ronnie @ May 20 2016, 09:41 AM) Same for us. but curious why the change ? QUOTE(MGM @ May 20 2016, 10:31 AM) If they are posted at end of statement (say 20th) and if u request to change the next statement to a earlier date (say 16th), u effectively delay the BT by ~ 1 month, cos the BT transactions will still be dated on 20th n will appear on the next statement. I hope u all understand my explanation. Yes, MGM spots on. I enjoyed that 1 month delay previously after bring earlier my stmt date. PBB screwed up my bt 2 years back, end up 2 repayments in one stmt. Complained to bnm. So this time alerted them as soon as I see the anomaly. to avoid they post again on stmt date,. They replied they hv changed their system. It is posted one day after stmt date and no more on stmt date. This post has been edited by tbheng: May 23 2016, 08:32 AM |
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May 23 2016, 10:57 AM
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Junior Member
47 posts Joined: Feb 2008
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Hi all, i have a little confusion here, and did not manage to look for the answer in previous thread.
I just recently applied for HSBC Platinum, and it comes with a 0% 6 months balance transfer offer, so I BT my Aeon 10k outstanding to HSBC, and i just got my first statement from HSBC, it shows the full 10k amount in the statement, current finance charges stated 0%, minimum payment is RM 500. My question is, do I pay only the minimum amount stated in the statement, then make sure I clear all balance before the 6th month? So that no interest will incurred? Or, I need to pay 10k divide by 6 by myself? Previously during Maybank 0% BT time, the amount to pay will be charged to CC every month, first time saw full amount straight charge to CC, can anyone experience this before explain to me? Thanks so much. This post has been edited by only_lonely1220: May 23 2016, 10:58 AM |
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May 23 2016, 11:31 AM
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Senior Member
3,902 posts Joined: Jul 2007
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QUOTE(only_lonely1220 @ May 23 2016, 10:57 AM) Hi all, i have a little confusion here, and did not manage to look for the answer in previous thread. you can just pay the min amount, the rest of the balance (RM9.5k) will be interest free until the end of the 0% BT tenure.I just recently applied for HSBC Platinum, and it comes with a 0% 6 months balance transfer offer, so I BT my Aeon 10k outstanding to HSBC, and i just got my first statement from HSBC, it shows the full 10k amount in the statement, current finance charges stated 0%, minimum payment is RM 500. My question is, do I pay only the minimum amount stated in the statement, then make sure I clear all balance before the 6th month? So that no interest will incurred? Or, I need to pay 10k divide by 6 by myself? Previously during Maybank 0% BT time, the amount to pay will be charged to CC every month, first time saw full amount straight charge to CC, can anyone experience this before explain to me? Thanks so much. but remember not to use this card, those retail transactions will kena interest. This post has been edited by lamode: May 23 2016, 11:31 AM |
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May 23 2016, 11:40 AM
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Junior Member
47 posts Joined: Feb 2008
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QUOTE(lamode @ May 23 2016, 11:31 AM) you can just pay the min amount, the rest of the balance (RM9.5k) will be interest free until the end of the 0% BT tenure. I see, thanks for the clarification and information.but remember not to use this card, those retail transactions will kena interest. |
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May 24 2016, 02:42 PM
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Junior Member
68 posts Joined: May 2007
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How easy to transfer out the excess amount if i BT more than what i owed?
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May 24 2016, 10:51 PM
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Senior Member
5,379 posts Joined: Jul 2009
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rhb bank used to have good BT plan, but now no more.
citibank and cimb bank's BT are expensive. |
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May 25 2016, 01:17 PM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(mitodna @ May 21 2016, 03:51 PM) Any HSBC balance transfer, they don't split the monthly by month? Thanks Don't understand your question. |
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May 25 2016, 03:25 PM
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Junior Member
315 posts Joined: Aug 2012
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Can a balance transfer to Debit Card (Visa or Master) account?
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May 25 2016, 03:26 PM
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Junior Member
315 posts Joined: Aug 2012
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Any bank can have balance transfer (one lump sum) without any instalment plan?
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May 29 2016, 06:22 PM
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Senior Member
1,269 posts Joined: May 2005
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currently have maybank 2 card and cimb cash rebate
which is the best bank to do BT? |
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May 29 2016, 09:43 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(newsongfashion @ May 25 2016, 03:26 PM) Any bank can have balance transfer (one lump sum) without any instalment plan? What is the point? Sorry what is your objective |
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May 30 2016, 01:56 PM
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Junior Member
315 posts Joined: Aug 2012
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QUOTE(bearbear @ May 29 2016, 09:43 PM) What is the point? Sorry what is your objective The objective is to transfer from credit card A to B, then to C, then back to A again for the purpose of cash management |
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May 30 2016, 05:32 PM
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Senior Member
6,420 posts Joined: Jun 2005
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For AEON balance transfer, we can only send to them via fax? Can we email? I read post 1 stated the cs email, but I check the form instruction only fax
This post has been edited by mamamia: May 30 2016, 05:33 PM |
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May 30 2016, 05:45 PM
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Senior Member
3,902 posts Joined: Jul 2007
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QUOTE(mamamia @ May 30 2016, 05:32 PM) For AEON balance transfer, we can only send to them via fax? Can we email? I read post 1 stated the cs email, but I check the form instruction only fax can email even not stated in form. |
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May 30 2016, 07:00 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(jacey @ May 24 2016, 02:42 PM) How easy to transfer out the excess amount if i BT more than what i owed? Depending which bank and how frequently u do itMbb I have done a few times without issue |
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May 30 2016, 07:00 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(newsongfashion @ May 25 2016, 03:25 PM) Can a balance transfer to Debit Card (Visa or Master) account? Balance transfer only for credit card |
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May 30 2016, 07:01 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(newsongfashion @ May 25 2016, 03:26 PM) Any bank can have balance transfer (one lump sum) without any instalment plan? That makes 0 sense |
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May 30 2016, 07:02 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(brokenbomb @ May 29 2016, 06:22 PM) currently have maybank 2 card and cimb cash rebate Check post no 1 plswhich is the best bank to do BT? |
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May 30 2016, 09:38 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(newsongfashion @ May 30 2016, 01:56 PM) The objective is to transfer from credit card A to B, then to C, then back to A again for the purpose of cash management either my logic fail or your's doesnt make sense.assuming you owe 60k to bank A balance transfer to bank B, 10k for 6 months. doesn't that help your cash flow already? |
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May 30 2016, 10:08 PM
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Junior Member
315 posts Joined: Aug 2012
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QUOTE(bearbear @ May 30 2016, 09:38 PM) either my logic fail or your's doesnt make sense. It does help but let me give you another scenario. assuming you owe 60k to bank A balance transfer to bank B, 10k for 6 months. doesn't that help your cash flow already? I owe 60K to bank A. I don't have 10K for the first 6 months. I will have 60K after 6 months. So by balance transfer from A, to B, to C, then back to A, to B and to C, I will have enough to settle full payment without having interest for the first 6 months. Don't know if it's possible or not. |
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May 30 2016, 10:11 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(newsongfashion @ May 30 2016, 10:08 PM) It does help but let me give you another scenario. not easy, you need to find 4 / 5 bank that offer no penalty on early settlement.I owe 60K to bank A. I don't have 10K for the first 6 months. I will have 60K after 6 months. So by balance transfer from A, to B, to C, then back to A, to B and to C, I will have enough to settle full payment without having interest for the first 6 months. Don't know if it's possible or not. |
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May 31 2016, 06:21 AM
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Senior Member
1,563 posts Joined: Jan 2003 From: peejay
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Anyone tried BT to saving account directly? Am thinking whether it can be done.
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May 31 2016, 07:26 AM
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All Stars
11,740 posts Joined: Oct 2013 From: Her Heart
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QUOTE(CalvinCLK @ May 31 2016, 06:21 AM) Anyone tried BT to saving account directly? Am thinking whether it can be done. only cc. |
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May 31 2016, 10:38 AM
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All Stars
26,524 posts Joined: Jan 2003
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I have about 6k outstanding from PBB and another 4k from Ambank. Since am unable to meet the condition for 0% BT offer from PBB, is there any other BT offers with 0% interest?
Is it possible to combine both and BT to Aeon? A portion of the 6k from PBB is due to previous BT, can I BT the BT? |
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May 31 2016, 10:43 AM
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Senior Member
1,361 posts Joined: May 2006
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QUOTE(Human Nature @ May 31 2016, 10:38 AM) I have about 6k outstanding from PBB and another 4k from Ambank. Since am unable to meet the condition for 0% BT offer from PBB, is there any other BT offers with 0% interest? I have the same situation.Is it possible to combine both and BT to Aeon? A portion of the 6k from PBB is due to previous BT, can I BT the BT? In the end i BT 6k to Aeon and let the surplus amount reduced since i still have SI for insurance with Aeon card. |
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May 31 2016, 09:42 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(newsongfashion @ May 30 2016, 10:08 PM) It does help but let me give you another scenario. no such bankI owe 60K to bank A. I don't have 10K for the first 6 months. I will have 60K after 6 months. So by balance transfer from A, to B, to C, then back to A, to B and to C, I will have enough to settle full payment without having interest for the first 6 months. Don't know if it's possible or not. |
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May 31 2016, 09:44 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(CalvinCLK @ May 31 2016, 06:21 AM) Anyone tried BT to saving account directly? Am thinking whether it can be done. updated this question in page no 1 faq just now |
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May 31 2016, 09:47 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(Human Nature @ May 31 2016, 10:38 AM) I have about 6k outstanding from PBB and another 4k from Ambank. Since am unable to meet the condition for 0% BT offer from PBB, is there any other BT offers with 0% interest? should be possible if you apply both pbb and ambank bt to aeon under 1 formIs it possible to combine both and BT to Aeon? A portion of the 6k from PBB is due to previous BT, can I BT the BT? for pbb, bt installation is part of your cc expenses. so yes u can bt the bt in that sense |
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May 31 2016, 10:01 PM
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Senior Member
1,168 posts Joined: Jun 2006
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QUOTE(brotan @ May 31 2016, 09:44 PM) updated this question in page no 1 faq just now Q : Is it possible to BT to debt card or saving/current acc?A : NO, it is not possible. You can only BT between 2 credit cards Actually HLB can be done, BT from HLB credit card to saving account! so far i only know HLB can |
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May 31 2016, 10:14 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(shiroikun @ May 31 2016, 10:01 PM) Q : Is it possible to BT to debt card or saving/current acc? huh? u sure about that?A : NO, it is not possible. You can only BT between 2 credit cards Actually HLB can be done, BT from HLB credit card to saving account! so far i only know HLB can |
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May 31 2016, 11:04 PM
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Senior Member
1,168 posts Joined: Jun 2006
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QUOTE(brotan @ May 31 2016, 10:14 PM) huh? u sure about that? I did that before , a few times, from hlb cc to mbb saving and hlb saving |
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May 31 2016, 11:14 PM
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Senior Member
1,437 posts Joined: Nov 2005
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QUOTE(shiroikun @ May 31 2016, 11:04 PM) I did that before , a few times, from hlb cc to mbb saving and hlb saving are u sure that one not cash withdrawal?what is the interest rate? can show us the example? This post has been edited by wan7075: May 31 2016, 11:15 PM |
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Jun 1 2016, 12:45 AM
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All Stars
11,740 posts Joined: Oct 2013 From: Her Heart
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QUOTE(shiroikun @ May 31 2016, 11:04 PM) I did that before , a few times, from hlb cc to mbb saving and hlb saving this is not called balance transfer lol... |
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Jun 1 2016, 06:00 AM
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Senior Member
1,168 posts Joined: Jun 2006
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QUOTE(wan7075 @ May 31 2016, 11:14 PM) are u sure that one not cash withdrawal? what is the interest rate? can show us the example? There was 2 type of package, Last time the package i took was 0.5% per month on on reducing balance, outstanding balance will appear and charge to credit card once the amount transferred into saving, just need to pay 5% min payment. Early settlement charge RM100 Another package was 6.99% , 1 time charge. BT amount charge to credit card, just need to pay 5% min payment monthly until forever. No early settlement charge Just tell the CS, u wanna transfer to saving will do |
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Jun 1 2016, 09:22 AM
Show posts by this member only | IPv6 | Post
#194
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Senior Member
1,437 posts Joined: Nov 2005
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QUOTE(shiroikun @ Jun 1 2016, 06:00 AM) There was 2 type of package, Last time the package i took was 0.5% per month on on reducing balance, outstanding balance will appear and charge to credit card once the amount transferred into saving, just need to pay 5% min payment. Early settlement charge RM100 it sound liked personal loan more than BT Another package was 6.99% , 1 time charge. BT amount charge to credit card, just need to pay 5% min payment monthly until forever. No early settlement charge Just tell the CS, u wanna transfer to saving will do interest rate is quite high but if it is useful to you than no harm to apply  |
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Jun 1 2016, 11:00 AM
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Junior Member
315 posts Joined: Aug 2012
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QUOTE(shiroikun @ Jun 1 2016, 06:00 AM) There was 2 type of package, Last time the package i took was 0.5% per month on on reducing balance, outstanding balance will appear and charge to credit card once the amount transferred into saving, just need to pay 5% min payment. Early settlement charge RM100 Now is 4.99% on reducing balance for new cardholder and on birthday month. No fixed repayment period. Another package was 6.99% , 1 time charge. BT amount charge to credit card, just need to pay 5% min payment monthly until forever. No early settlement charge Just tell the CS, u wanna transfer to saving will do https://www.hlb.com.my/main/personal/credit-card-services QUOTE(wan7075 @ Jun 1 2016, 09:22 AM) it sound liked personal loan more than BT It's not high because on reducing balance. It's called balance transfer plus. interest rate is quite high but if it is useful to you than no harm to apply |
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Jun 1 2016, 11:09 AM
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Junior Member
315 posts Joined: Aug 2012
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QUOTE(brotan @ May 31 2016, 09:42 PM) no such bank QUOTE(brotan @ May 31 2016, 09:47 PM) should be possible if you apply both pbb and ambank bt to aeon under 1 form but Aeon balance transfer must be in 6 months (0% interest) right?for pbb, bt installation is part of your cc expenses. so yes u can bt the bt in that sense for Pbb, there is also in 6 months (0% interest) and there is penalty for early settlement. Can't understand ' bt installation is part of your cc expenses '? |
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Jun 1 2016, 05:35 PM
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Junior Member
297 posts Joined: Apr 2010
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QUOTE(shiroikun @ Jun 1 2016, 06:00 AM) There was 2 type of package, Last time the package i took was 0.5% per month on on reducing balance, outstanding balance will appear and charge to credit card once the amount transferred into saving, just need to pay 5% min payment. Early settlement charge RM100 the first package which is 0.5%, how long is the duration ?Another package was 6.99% , 1 time charge. BT amount charge to credit card, just need to pay 5% min payment monthly until forever. No early settlement charge Just tell the CS, u wanna transfer to saving will do |
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Jun 3 2016, 05:22 AM
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All Stars
18,404 posts Joined: Oct 2010
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Which bank's credit card is easy to transfer out excess PBB's BT amt to savings account? MBB was easy but hardly use its cards ever since it reduces most of the benefits.
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Jun 3 2016, 11:38 AM
Show posts by this member only | IPv6 | Post
#199
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(MGM @ Jun 3 2016, 05:22 AM) Which bank's credit card is easy to transfer out excess PBB's BT amt to savings account? MBB was easy but hardly use its cards ever since it reduces most of the benefits. Mbb has a credit card 0.5% rebate for groceries |
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Jun 3 2016, 03:13 PM
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Senior Member
2,493 posts Joined: Mar 2014
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QUOTE(brotan @ Jun 3 2016, 11:38 AM) Mbb has a credit card 0.5% rebate for groceries 0.5%? What card is that? Even MBB2Amex can earn you 1.25% equivalent cash back. |
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Jun 3 2016, 03:52 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(kelvinlzy @ Jun 3 2016, 03:13 PM) 0.5%? What card is that? Even MBB2Amex can earn you 1.25% equivalent cash back. Go to maybank website, you can find it |
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Jun 3 2016, 04:04 PM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(kelvinlzy @ Jun 3 2016, 03:13 PM) 0.5%? What card is that? Even MBB2Amex can earn you 1.25% equivalent cash back. Ikhwan card has 5%. |
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Jun 5 2016, 12:27 PM
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Junior Member
313 posts Joined: Sep 2009
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how long does pbb takes to approve the balance transfer application and transfer the amount to the particular bank?
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Jun 5 2016, 07:47 PM
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Senior Member
650 posts Joined: Jan 2003
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QUOTE(terence_say @ Jun 5 2016, 12:27 PM) how long does pbb takes to approve the balance transfer application and transfer the amount to the particular bank? usually 3-5 working days from past experience |
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Jun 6 2016, 01:22 PM
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All Stars
65,276 posts Joined: Jan 2003
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Jun 6 2016, 07:40 PM
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Junior Member
313 posts Joined: Sep 2009
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anyone know how is the aeon credit 6 months 0% balance transfer work ?
If I transfer 9k from Maybank to Aeon credit, it will charge 1.5k every months to my aeon credit card for 6 months? |
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Jun 6 2016, 07:56 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(terence_say @ Jun 6 2016, 07:40 PM) anyone know how is the aeon credit 6 months 0% balance transfer work ? yesIf I transfer 9k from Maybank to Aeon credit, it will charge 1.5k every months to my aeon credit card for 6 months? |
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Jun 6 2016, 08:14 PM
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Junior Member
663 posts Joined: Feb 2009
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QUOTE(cybpsych @ Jun 6 2016, 01:22 PM) Maybank Balance Transfer 0% p.a for 12months (with 1% upfront fee) [ Maybank | T&Cs | FAQs | EDM ] Got upfront fee & need statement, not so attractive although the max bt limit is given up to 50k subject to cc limitCampaign Period: 3 June 2016 - 30 September 2016  |
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Jun 6 2016, 08:19 PM
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Junior Member
174 posts Joined: Jul 2011
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QUOTE(hurtedheart @ Jun 6 2016, 08:14 PM) Got upfront fee & need statement, not so attractive although the max bt limit is given up to 50k subject to cc limit How much is the effective interest rate translated from the 1% upfront fee? |
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Jun 6 2016, 08:33 PM
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Junior Member
663 posts Joined: Feb 2009
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QUOTE(kelvintt @ Jun 6 2016, 08:19 PM) How much is the effective interest rate translated from the 1% upfront fee? 0% BT with 1% upfront fee. Eg: If BT 10k, upfront fee = rm 100, other than that no interest charged unless you late payment |
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Jun 7 2016, 03:38 PM
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Senior Member
2,493 posts Joined: Mar 2014
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Emailed BT application to Aeon last night and received call today. During the verification process, CS asked how i made my last payment, through which bank, which I replied PosOnline?? CS is like..ok correct..LOL
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Jun 7 2016, 05:47 PM
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Senior Member
6,420 posts Joined: Jun 2005
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Just now I call to AEON to enquire about the BT... was informed that I can based on last month Statement (even if it is past due) as supporting for my BT application as I told that I still need to wait for the statement to deliver to me, if they take 15 business days (as per the standard policy) to process, by the time I receive my statement + 15 business days will ended up with overdue payment. So, the CS checked and advise that I can submit with last month statement, i.e. May statement.
Also, she advised me to call them after I send them the form to confirm they have receive my application, and I can call them after 7 working days to check application status. |
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Jun 8 2016, 10:29 AM
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Senior Member
1,243 posts Joined: Sep 2005
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Hmm....so if to get the 1% entitlement, have to apply from 20 June - 30 June....not sure why they designed it in such way...probably to spike up their unsecured loan take up rate every month?
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Jun 9 2016, 06:08 PM
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Senior Member
6,420 posts Joined: Jun 2005
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AEON BT process:
1. Submit form and statement on 7th June, Tuesday 5:30pm 2. Call to CS to confirm receipt on my email for the BT application on 8th June 3. Received call from AEON to verify my details at 11:50am today.. 4. Received SMS at 5pm stating my BT application has been approved. Now waiting them to credit the fund |
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Jun 11 2016, 01:13 PM
Show posts by this member only | IPv6 | Post
#215
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Junior Member
223 posts Joined: Feb 2012
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not sure has anyone tried this?
-Maybe pay 95% during first 6 months, then let the balance 5% subjected to 0.30% interest? -or it has to be paid by fixed amount?? 12 months 0% (0% for the first 6 months and subsequent months at 0.30%) http://www.mybsn.com.my/content.xhtml?contentId=136# |
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Jun 11 2016, 01:18 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(garygan @ Jun 11 2016, 01:13 PM) not sure has anyone tried this? bsn is not stupid-Maybe pay 95% during first 6 months, then let the balance 5% subjected to 0.30% interest? -or it has to be paid by fixed amount?? 12 months 0% (0% for the first 6 months and subsequent months at 0.30%) http://www.mybsn.com.my/content.xhtml?contentId=136# the bt amount is distributed evenly across the 12 months for monthly repayment so even if u pay 95% for first 6 months, you are overpaying your credit card, not reducing balance This post has been edited by brotan: Jun 11 2016, 01:18 PM |
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Jun 11 2016, 07:57 PM
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Junior Member
313 posts Joined: Sep 2009
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QUOTE(mamamia @ Jun 9 2016, 06:08 PM) AEON BT process: May I know you email the application form to which address?1. Submit form and statement on 7th June, Tuesday 5:30pm 2. Call to CS to confirm receipt on my email for the BT application on 8th June 3. Received call from AEON to verify my details at 11:50am today.. 4. Received SMS at 5pm stating my BT application has been approved. Now waiting them to credit the fund Thanks |
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Jun 11 2016, 09:17 PM
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Senior Member
3,902 posts Joined: Jul 2007
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QUOTE(kelvintt @ Jun 6 2016, 08:19 PM) How much is the effective interest rate translated from the 1% upfront fee? i think that transcalte into 1.84% EIR per annual. |
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Jun 11 2016, 09:41 PM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(terence_say @ Jun 11 2016, 07:57 PM) May I know you email the application form to which address? Same as the one stated in first post. After email, better call up to check whether they receive.. AEON charge to my card on 9 June, but I haven't receive the payment to BT bank yet..Thanks Email : customer.service@aeonmalaysia.com.my |
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Jun 12 2016, 12:20 AM
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Junior Member
174 posts Joined: Jul 2011
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QUOTE(lamode @ Jun 11 2016, 09:17 PM) i think that transcalte into 1.84% EIR per annual. Thanks! |
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Jun 12 2016, 08:22 AM
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Junior Member
47 posts Joined: Aug 2007
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QUOTE(mamamia @ Jun 11 2016, 09:41 PM) Same as the one stated in first post. After email, better call up to check whether they receive.. AEON charge to my card on 9 June, but I haven't receive the payment to BT bank yet.. In my case, they approved on 2 June, charged to my card on 3 June. Payment was made on 8 & 9 June (2 CC / 2 banks).Email : customer.service@aeonmalaysia.com.my |
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Jun 12 2016, 09:39 PM
Show posts by this member only | IPv6 | Post
#222
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Junior Member
223 posts Joined: Feb 2012
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QUOTE(brotan @ Jun 11 2016, 01:18 PM) bsn is not stupid too bad. tot can use another 0% BT, since Aeon/UOB all usedthe bt amount is distributed evenly across the 12 months for monthly repayment so even if u pay 95% for first 6 months, you are overpaying your credit card, not reducing balance coz i saw recently there's 2 type of BT 1) fixed even payment 2) random payment |
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Jun 13 2016, 09:52 PM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(ShaneLim @ Jun 12 2016, 08:22 AM) In my case, they approved on 2 June, charged to my card on 3 June. Payment was made on 8 & 9 June (2 CC / 2 banks). U BT to 2 different bank, is it each bank must be 1k or above or is counted as total amount of both banks?Eg, Bank A RM900, Bank B RM2000, can I BT both as total is more than RM1k.. Or the requirement is minimum RM1k for each bank? |
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Jun 13 2016, 10:09 PM
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Senior Member
3,902 posts Joined: Jul 2007
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QUOTE(mamamia @ Jun 13 2016, 09:52 PM) U BT to 2 different bank, is it each bank must be 1k or above or is counted as total amount of both banks? combined 1k.Eg, Bank A RM900, Bank B RM2000, can I BT both as total is more than RM1k.. Or the requirement is minimum RM1k for each bank? |
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Jun 13 2016, 10:10 PM
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Junior Member
47 posts Joined: Aug 2007
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QUOTE(mamamia @ Jun 13 2016, 09:52 PM) U BT to 2 different bank, is it each bank must be 1k or above or is counted as total amount of both banks? They count total as 1 of my card only have RM600+ to BT while the other card is 2k+Eg, Bank A RM900, Bank B RM2000, can I BT both as total is more than RM1k.. Or the requirement is minimum RM1k for each bank? |
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Jun 14 2016, 01:54 PM
Show posts by this member only | IPv6 | Post
#226
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Senior Member
1,437 posts Joined: Nov 2005
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may I know I can do BT to my supp card?
the supp card statement is combined together with my principle card. But the transaction record is separated from principle card. thanks |
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Jun 14 2016, 02:02 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(wan7075 @ Jun 14 2016, 01:54 PM) may I know I can do BT to my supp card? cannot, u can only apply balance transfer from same name of the card holder.the supp card statement is combined together with my principle card. But the transaction record is separated from principle card. thanks Why u cannot just apply BT to your card which is principal? |
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Jun 14 2016, 02:45 PM
Show posts by this member only | IPv6 | Post
#228
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Senior Member
1,437 posts Joined: Nov 2005
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QUOTE(sms2u @ Jun 14 2016, 02:02 PM) cannot, u can only apply balance transfer from same name of the card holder. got apply for principle.Why u cannot just apply BT to your card which is principal? but I want the both prin + supp  |
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Jun 14 2016, 04:23 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(comfyguy2 @ Jun 14 2016, 02:15 PM) So my aeon 6/6 has been posted to my cc bill, can I apply for another BT before I clear the existing 6th payment? U can.QUOTE(wan7075 @ Jun 14 2016, 02:45 PM) got apply for principle. Why? both principal and supp are share same credit limit? I cannot think what is the reason.but I want the both prin + supp |
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Jun 14 2016, 04:53 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(wan7075 @ Jun 14 2016, 01:54 PM) may I know I can do BT to my supp card? normally supp card charges are lump up to principle. you can ask cs to confirmthe supp card statement is combined together with my principle card. But the transaction record is separated from principle card. thanks so u just need to bt for the principle card, your supp will be settled This post has been edited by brotan: Jun 14 2016, 04:53 PM |
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Jun 14 2016, 05:08 PM
Show posts by this member only | IPv6 | Post
#231
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Senior Member
1,437 posts Joined: Nov 2005
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QUOTE(sms2u @ Jun 14 2016, 04:23 PM) U can. bc I want to extend my payment for sup card also if possible. Why? both principal and supp are share same credit limit? I cannot think what is the reason. do you get what I mean? This post has been edited by wan7075: Jun 14 2016, 05:09 PM |
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Jun 14 2016, 05:20 PM
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Junior Member
130 posts Joined: Apr 2010 From: kl
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heard about BT but not sure how it works.... is the monthly BT repayment charge to the credit card monthly bill? or there will be a new account for your to make repayment monthly??
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Jun 14 2016, 09:30 PM
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Senior Member
2,493 posts Joined: Mar 2014
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QUOTE(mamamia @ Jun 9 2016, 06:08 PM) AEON BT process: My BT application on 7th June 9.30pm was approved on 8th June 3pm, payment received from 2 banks on yesterday. So yours should be credited.1. Submit form and statement on 7th June, Tuesday 5:30pm 2. Call to CS to confirm receipt on my email for the BT application on 8th June 3. Received call from AEON to verify my details at 11:50am today.. 4. Received SMS at 5pm stating my BT application has been approved. Now waiting them to credit the fund QUOTE(garf @ Jun 14 2016, 05:20 PM) heard about BT but not sure how it works.... is the monthly BT repayment charge to the credit card monthly bill? or there will be a new account for your to make repayment monthly?? Not all banks are the same, like Aeon it is charged to the existing card while for UOB there will be a new account to make repayment. |
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Jun 14 2016, 10:02 PM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(kelvinlzy @ Jun 14 2016, 09:30 PM) My BT application on 7th June 9.30pm was approved on 8th June 3pm, payment received from 2 banks on yesterday. So yours should be credited. Mine still yet to credited..Not all banks are the same, like Aeon it is charged to the existing card while for UOB there will be a new account to make repayment. Update: Finally credited today - 16 June 2016.. And I just get to know that AEON is using cheque payment instead of IBG.. they tell me the courier the cheque via Nationwide.. This post has been edited by mamamia: Jun 16 2016, 07:03 PM |
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Jun 23 2016, 12:26 PM
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Junior Member
25 posts Joined: Jan 2011
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any news that PBB will extend the balance transfer program? As the program will be ended on 30th June 2016..
Pray for PBB to extend again |
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Jun 23 2016, 08:57 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(TreassureHunter @ Jun 23 2016, 12:26 PM) any news that PBB will extend the balance transfer program? As the program will be ended on 30th June 2016.. So far always extendPray for PBB to extend again |
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Jun 27 2016, 09:57 PM
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Senior Member
954 posts Joined: Dec 2006
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New Ambank CC holder. They said they have 0% BT.
Anyone used it? Just so happens I have a big bill and claim coming in from an overseas trip that I charged to my other CC. Thinking of taking advantage of this. 😀 |
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Jun 27 2016, 10:31 PM
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Senior Member
2,380 posts Joined: Mar 2005
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QUOTE(thesoothsayer @ Jun 27 2016, 09:57 PM) New Ambank CC holder. They said they have 0% BT. Planning to apply soon. only for new to bank customers. Good thing is for ambank, don't need to fill up any forms, just call their CS and they'll sort it out after getting the necesary details.Anyone used it? Just so happens I have a big bill and claim coming in from an overseas trip that I charged to my other CC. Thinking of taking advantage of this. 😀 |
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Jun 28 2016, 01:56 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(TreassureHunter @ Jun 23 2016, 12:26 PM) any news that PBB will extend the balance transfer program? As the program will be ended on 30th June 2016.. no new BT form yet in public bank websitePray for PBB to extend again QUOTE(brotan @ Jun 23 2016, 08:57 PM) So far always extend Yes, but why the new BT form no yet in public bank website |
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Jun 28 2016, 02:03 PM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(thesoothsayer @ Jun 27 2016, 09:57 PM) New Ambank CC holder. They said they have 0% BT. I am using it as new applicants to AmBank also.Anyone used it? Just so happens I have a big bill and claim coming in from an overseas trip that I charged to my other CC. Thinking of taking advantage of this. 😀 0% for 12 months, no hidden clause. BT amount will be divided into 12 for payments. |
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Jun 28 2016, 02:04 PM
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Senior Member
954 posts Joined: Dec 2006
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QUOTE(laymank @ Jun 28 2016, 02:03 PM) I am using it as new applicants to AmBank also. Yeah, just called them up to do it. Quite worth it. 0% for 12 months, no hidden clause. BT amount will be divided into 12 for payments. Money can be dumped into FD for a year. |
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Jun 28 2016, 02:06 PM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(thesoothsayer @ Jun 28 2016, 02:04 PM) Yeah, just called them up to do it. Quite worth it. Memang pun!Money can be dumped into FD for a year. |
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Jun 28 2016, 02:10 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(sms2u @ Jun 28 2016, 01:56 PM) no new BT form yet in public bank website my experience you can use old form as long as the bt rate & min amount is the sameYes, but why the new BT form no yet in public bank website once i even use a form from 1 year ago, it was accepted |
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Jun 28 2016, 07:11 PM
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Senior Member
2,380 posts Joined: Mar 2005
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QUOTE(thesoothsayer @ Jun 28 2016, 02:04 PM) Yeah, just called them up to do it. Quite worth it. Money can be dumped into FD for a year. QUOTE(laymank @ Jun 28 2016, 02:06 PM) Memang pun! I intend to do so too but I've about 5.4k from another ccard to transfer, say if I want to transfer another 15k for FD, which bank is the easiest to cash out the BT money? |
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Jun 28 2016, 09:20 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(kenlui @ Jun 28 2016, 07:11 PM) I intend to do so too but I've about 5.4k from another ccard to transfer, say if I want to transfer another 15k for FD, which bank is the easiest to cash out the BT money? maybank |
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Jun 29 2016, 02:09 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(brotan @ Jun 28 2016, 02:10 PM) my experience you can use old form as long as the bt rate & min amount is the same they will always ask u to use new form whenever possible.once i even use a form from 1 year ago, it was accepted |
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Jun 29 2016, 10:31 PM
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All Stars
18,404 posts Joined: Oct 2010
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Jun 29 2016, 11:01 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(MGM @ Jun 29 2016, 10:31 PM) didn't notice can apply online, interesting. |
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Jun 30 2016, 07:07 AM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(MGM @ Jun 29 2016, 10:31 PM) Upfront fee of 3% for Balance Transfer 0% p.a 12 months is waived 2% during the Campaign periodSo funny statement.. Only waive 2% |
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Jun 30 2016, 07:57 AM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(mamamia @ Jun 30 2016, 07:07 AM) Upfront fee of 3% for Balance Transfer 0% p.a 12 months is waived 2% during the Campaign period this is a 1% bt fee "promo". default fee is 3%, so waive 2%.So funny statement.. Only waive 2% previous mbb's 0% bt promo waived 3%. same mechanic. |
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Jun 30 2016, 10:17 AM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(mamamia @ Jun 30 2016, 07:07 AM) Upfront fee of 3% for Balance Transfer 0% p.a 12 months is waived 2% during the Campaign period Not weird, it's 1% promo.So funny statement.. Only waive 2% I believe this is one of the better deals compared to PBB & AEON which is totally 0 fee. |
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Jun 30 2016, 12:43 PM
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Senior Member
3,902 posts Joined: Jul 2007
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QUOTE(bearbear @ Jun 29 2016, 11:01 PM) didn't notice can apply online, interesting. i tried to mess around M2U, i think the apply online is meant for CC. didn't find any option to apply BT online.  |
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Jun 30 2016, 01:51 PM
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Junior Member
286 posts Joined: Oct 2004 From: KL/PJ
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QUOTE(lamode @ Jun 30 2016, 12:43 PM) i tried to mess around M2U, i think the apply online is meant for CC. didn't find any option to apply BT online. just read FAQ from maybank website.state there Option 1 Online Application 1.Log in to Maybank2u 2.Select Account & Banking 3.Select All Cards 4.Select Apply Balance Transfer dunno its work or not. |
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Jun 30 2016, 02:49 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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Yes Johore showed you the way, i did it last night and they sent me an e-mail almost immediately
» Click to show Spoiler - click again to hide... « But you can only choose the 3% / 12 months option, i suppose the 2% is by rebate later. Quite convenient as no need to fill forms, just key in the credit card (other bank), amount and which Maybank CC you want the BT to go to. This post has been edited by bearbear: Jun 30 2016, 02:56 PM |
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Jun 30 2016, 03:22 PM
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Senior Member
3,902 posts Joined: Jul 2007
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QUOTE(Johore @ Jun 30 2016, 01:51 PM) just read FAQ from maybank website. thanks for sharing state there Option 1 Online Application 1.Log in to Maybank2u 2.Select Account & Banking 3.Select All Cards 4.Select Apply Balance Transfer dunno its work or not. |
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Jun 30 2016, 03:38 PM
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Senior Member
2,839 posts Joined: Jan 2003 From: KL
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QUOTE(bearbear @ Jun 30 2016, 02:49 PM) Yes Johore showed you the way, i did it last night and they sent me an e-mail almost immediately They will deduct 3% first month and rebate back the 2% on the following month.» Click to show Spoiler - click again to hide... « But you can only choose the 3% / 12 months option, i suppose the 2% is by rebate later. Quite convenient as no need to fill forms, just key in the credit card (other bank), amount and which Maybank CC you want the BT to go to. |
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Jun 30 2016, 04:20 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(preducer @ Jun 30 2016, 03:38 PM) They will deduct 3% first month and rebate back the 2% on the following month. Yup, saw it in their T&C. |
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Jun 30 2016, 07:27 PM
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Junior Member
663 posts Joined: Feb 2009
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Any updates is the public bank 0% balance transfer programme extended after 30/06?
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Jul 1 2016, 10:13 AM
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Junior Member
7 posts Joined: Dec 2015
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QUOTE(hurtedheart @ Jun 30 2016, 07:27 PM) Any updates is the public bank 0% balance transfer programme extended after 30/06? 
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Jul 1 2016, 11:20 AM
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Senior Member
954 posts Joined: Dec 2006
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QUOTE(laymank @ Jun 28 2016, 02:03 PM) I am using it as new applicants to AmBank also. How long did the process take? Been 2-3 days now but they haven't transferred it over yet.0% for 12 months, no hidden clause. BT amount will be divided into 12 for payments. |
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Jul 1 2016, 11:59 AM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(thesoothsayer @ Jul 1 2016, 11:20 AM) How long did the process take? Been 2-3 days now but they haven't transferred it over yet. About 7 working days or so. |
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Jul 1 2016, 08:09 PM
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Junior Member
663 posts Joined: Feb 2009
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QUOTE(marliv @ Jul 1 2016, 10:13 AM)
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Jul 4 2016, 08:37 AM
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Junior Member
419 posts Joined: Apr 2008 From: selangor
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1. Can i BT more then amount i need? eg: debt 7999, BT 10000
2. Can i BT even i dont have debt in cc? target Aeon and Pbb. |
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Jul 4 2016, 09:53 AM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(cipher3344 @ Jul 4 2016, 08:37 AM) 1. Can i BT more then amount i need? eg: debt 7999, BT 10000 for those that don't request for your bank card statement, you can.2. Can i BT even i dont have debt in cc? target Aeon and Pbb. but you will end up with credit in the card. |
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Jul 4 2016, 01:33 PM
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Senior Member
691 posts Joined: Jul 2011
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No one try BSN 0% BT?
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Jul 4 2016, 04:02 PM
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Senior Member
564 posts Joined: Aug 2006
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QUOTE(akib_mullen @ Jul 4 2016, 01:33 PM) No one try BSN 0% BT? Not 0% at all after read their t&c 12 months (0% for the first 6 months and subsequent months at 0.30%) 24 months (0% for the first 12 months and subsequent months at 0.375%) BSN balance transfer This post has been edited by devilkid84: Jul 4 2016, 04:02 PM |
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Jul 4 2016, 04:29 PM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(akib_mullen @ Jul 4 2016, 01:33 PM) No one try BSN 0% BT? tried before. why? |
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Jul 4 2016, 05:44 PM
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Senior Member
1,188 posts Joined: Sep 2008
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Public Bank 0% BT extended to end of year!!!!!
PBB 0% BT This post has been edited by tbheng: Jul 4 2016, 05:45 PM |
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Jul 4 2016, 07:31 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(tbheng @ Jul 4 2016, 05:44 PM) As expected :-) |
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Jul 4 2016, 11:22 PM
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Senior Member
691 posts Joined: Jul 2011
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Ok guys i didnt understand the FAQ number 4. Can anyone explain it further? I give example for me to easy understand.
Lets say my cc credit limit is 5000. And I used 3000 so my credit left 2000. If I want BT (disregard bank choices) only 80% right? So the max I can BT is 80%x3000 or 80%x2000? |
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Jul 4 2016, 11:25 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(akib_mullen @ Jul 4 2016, 11:22 PM) Ok guys i didnt understand the FAQ number 4. Can anyone explain it further? I give example for me to easy understand. available credit so its based on 2kLets say my cc credit limit is 5000. And I used 3000 so my credit left 2000. If I want BT (disregard bank choices) only 80% right? So the max I can BT is 80%x3000 or 80%x2000? |
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Jul 5 2016, 09:50 AM
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Senior Member
3,705 posts Joined: Jan 2003 From: Planet Earth
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i wonder if i can swipe a car, and then do at BT and then 12month 0%... lolx
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Jul 5 2016, 10:20 AM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(areankim @ Jul 5 2016, 09:50 AM) i wonder if i can swipe a car, and then do at BT and then 12month 0%... lolx possible if u have good relation with dealer.. normally those main branch won't entertain thisbut dealer if u re good with them u can swipe it. |
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Jul 5 2016, 02:53 PM
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All Stars
21,308 posts Joined: Jan 2003 From: Kuala Lumpur
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QUOTE(areankim @ Jul 5 2016, 09:50 AM) i wonder if i can swipe a car, and then do at BT and then 12month 0%... lolx IF you can settle it in 12 months.. then it's fine... normal Hire Purchase is for 3-9 years for a reason. |
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Jul 8 2016, 12:14 PM
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Senior Member
691 posts Joined: Jul 2011
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After a few readings I get confused again and my previous question seems incorrect. Again I give an example.
I got 2 cards, A and B Card A has CL 5k and card B 10k I charged my card A 3000 I want to BT 3000 from card A to card B We are only allowed 80% of CL to be BT correct? CL of the card that we want to transfer(card B)? So technically i can BT full amount of 3000 to card B is it? |
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Jul 8 2016, 12:15 PM
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Junior Member
130 posts Joined: Apr 2010 From: kl
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hi, would like to know after bt approved. what next? the bank will directly pay the other bank or how? thanks
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Jul 8 2016, 12:18 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(akib_mullen @ Jul 8 2016, 12:14 PM) After a few readings I get confused again and my previous question seems incorrect. Again I give an example. You BT to card B so you are allowed to BT up to 8k (provided your available credit is 10k)I got 2 cards, A and B Card A has CL 5k and card B 10k I charged my card A 3000 I want to BT 3000 from card A to card B We are only allowed 80% of CL to be BT correct? CL of the card that we want to transfer(card B)? So technically i can BT full amount of 3000 to card B is it? QUOTE(garf @ Jul 8 2016, 12:15 PM) hi, would like to know after bt approved. what next? the bank will directly pay the other bank or how? thanks yes direct |
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Jul 8 2016, 01:42 PM
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Senior Member
691 posts Joined: Jul 2011
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QUOTE(bearbear @ Jul 8 2016, 12:18 PM) You BT to card B so you are allowed to BT up to 8k (provided your available credit is 10k) Thanks bearbear yes direct |
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Jul 8 2016, 02:07 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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lol bugger maybank 3% fee got gst
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Jul 8 2016, 03:26 PM
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Junior Member
7 posts Joined: Dec 2015
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QUOTE(bearbear @ Jul 8 2016, 02:07 PM) lol bugger maybank 3% fee got gst Yes...Maybank got 6% GST... ..... but 1% still low (If 2% waived) compared to others |
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Jul 8 2016, 06:59 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(akib_mullen @ Jul 8 2016, 12:14 PM) After a few readings I get confused again and my previous question seems incorrect. Again I give an example. Not 80% of CL. It is 80% of available balanceI got 2 cards, A and B Card A has CL 5k and card B 10k I charged my card A 3000 I want to BT 3000 from card A to card B We are only allowed 80% of CL to be BT correct? CL of the card that we want to transfer(card B)? So technically i can BT full amount of 3000 to card B is it? |
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Jul 9 2016, 02:19 AM
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Junior Member
55 posts Joined: Jun 2011
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Aeon
My BT application to CIMB is approved today Normally when can I see the fund in CIMB coz it going to be due on 17 This post has been edited by cacheblue: Jul 9 2016, 02:20 AM |
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Jul 10 2016, 10:18 PM
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Senior Member
2,050 posts Joined: Dec 2009 From: DC
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QUOTE(brotan @ Jul 8 2016, 06:59 PM) Not 80% of CL. It is 80% of available balance My calculation,80% CL - current usage = amount that you can do BT |
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Jul 10 2016, 10:22 PM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(cacheblue @ Jul 9 2016, 02:19 AM) Aeon last year i did BT which took me only 3 working daysMy BT application to CIMB is approved today Normally when can I see the fund in CIMB coz it going to be due on 17 slowest BT i guess is AEON follow by BSN |
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Jul 10 2016, 11:49 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(koinibler @ Jul 10 2016, 10:18 PM) My calculation, That's wrong (but I maybe wrong) 80% CL - current usage = amount that you can do BT Should be (CL - amount still owed) *.0.8 |
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Jul 11 2016, 05:18 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(bearbear @ Jul 8 2016, 02:07 PM) lol bugger maybank 3% fee got gst The 2% up-front fee waiver will be reversed from the credit card account within 30 working days from the approval date. let see whether maybank with waive the 6% GST fee on the amount of 2% up-front fee waiver |
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Jul 11 2016, 05:37 PM
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Senior Member
520 posts Joined: Mar 2009
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QUOTE(bearbear @ Jul 8 2016, 03:07 PM) lol bugger maybank 3% fee got gst U should know that "real" bugger who caused that... it is definitely not maybank |
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Jul 11 2016, 07:48 PM
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Junior Member
55 posts Joined: Jun 2011
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QUOTE(aromachong @ Jul 10 2016, 10:22 PM) last year i did BT which took me only 3 working days BTW yesterday I saw the BT amount already in my CC summary and installment amount is debited in my unbilled transactionslowest BT i guess is AEON follow by BSN But today disappear pula |
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Jul 11 2016, 07:54 PM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(cacheblue @ Jul 11 2016, 07:48 PM) BTW yesterday I saw the BT amount already in my CC summary and installment amount is debited in my unbilled transaction eh.. how could it be? But today disappear pula never encounter such situation.. once approved it will be debited and posted |
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Jul 11 2016, 08:47 PM
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Senior Member
2,493 posts Joined: Mar 2014
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QUOTE(cacheblue @ Jul 11 2016, 07:48 PM) BTW yesterday I saw the BT amount already in my CC summary and installment amount is debited in my unbilled transaction Normal, because the statement is being generated, all unbilled transactions will be included in the statement. So now you dont have any unbilled transaction, wait for a few days for statement to be generated, then you will see it there.But today disappear pula |
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Jul 16 2016, 11:04 AM
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Senior Member
1,269 posts Joined: Dec 2005 From: Sibu, KL
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Guys, hav any1 did BT to MBB 1%? may i know how many working days if apply thru m2u? need bank statement or not?
This post has been edited by David900924: Jul 16 2016, 11:04 AM |
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Jul 16 2016, 01:15 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(David900924 @ Jul 16 2016, 11:04 AM) Guys, hav any1 did BT to MBB 1%? may i know how many working days if apply thru m2u? need bank statement or not? approval I got it within the week itself, no statement needed just key in bank and credit card.number. no call as well. |
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Jul 16 2016, 01:39 PM
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Senior Member
1,269 posts Joined: Dec 2005 From: Sibu, KL
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QUOTE(bearbear @ Jul 16 2016, 01:15 PM) approval I got it within the week itself, no statement needed just key in bank and credit card.number. no call as well. Are they use cheque like Aeon (2-3 days to clear after receive sms) because my due is on 31st July, if apply 20th, not sure if enough time. hmm. |
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Jul 16 2016, 02:23 PM
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Junior Member
89 posts Joined: Feb 2013
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QUOTE(David900924 @ Jul 16 2016, 01:39 PM) Are they use cheque like Aeon (2-3 days to clear after receive sms) because my due is on 31st July, if apply 20th, not sure if enough time. hmm. Once your BT approval, Maybank using GIRO to pay to your other credit card. I submitted on 20th and got approval on 22th last month but till to date, there is no 2% reversal yet. |
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Jul 16 2016, 09:52 PM
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Senior Member
774 posts Joined: Nov 2008
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QUOTE(sms2u @ Jul 11 2016, 05:18 PM) The 2% up-front fee waiver will be reversed from the credit card account within 30 working days from the approval date. I thought it is 3% upfront? Not 2%let see whether maybank with waive the 6% GST fee on the amount of 2% up-front fee waiver |
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Jul 17 2016, 05:25 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(deeplyheartbroken @ Jul 16 2016, 09:52 PM) I thought it is 3% upfront? Not 2% maybank have promo now to give 2% waiver on 3% one time up front fee.valid only BT apply and approve from 20 to 30 evrry month for limited time. |
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Jul 18 2016, 02:45 PM
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Junior Member
118 posts Joined: Mar 2016
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First time want to do BT,
Any recommended BT credit card? My case: Currently holding 4 credit cards total outstanding of rm10k. Can i BT all to one credit card? |
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Jul 18 2016, 06:52 PM
Show posts by this member only | IPv6 | Post
#298
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(Subcrevv90 @ Jul 18 2016, 02:45 PM) First time want to do BT, Read post no 1Any recommended BT credit card? My case: Currently holding 4 credit cards total outstanding of rm10k. Can i BT all to one credit card? |
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Jul 21 2016, 01:05 PM
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Senior Member
1,662 posts Joined: Jun 2006
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QUOTE(sms2u @ Jul 17 2016, 05:25 PM) maybank have promo now to give 2% waiver on 3% one time up front fee. I just applied Maybank balance transfer yesterday through email mbbcardservices@maybank.com.my. How long will it take? Somehow I don't get any acknowledgement email from their side that they have received my application.valid only BT apply and approve from 20 to 30 evrry month for limited time. |
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Jul 21 2016, 02:14 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(jacklsw86 @ Jul 21 2016, 01:05 PM) I just applied Maybank balance transfer yesterday through email mbbcardservices@maybank.com.my. How long will it take? Somehow I don't get any acknowledgement email from their side that they have received my application. the acknowledgement email is no immediate, u might need to wait. |
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Jul 21 2016, 02:41 PM
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Junior Member
234 posts Joined: May 2013
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anyoone tried apply the Maybank BT thru online/maybank 2u?
yesterday and today i try but got this error Balance Transfer Step 1 of 3 Select your Maybank Credit Card for Balance Transfer You do not have any record in this list. but there is no menu or selection for me to click and choose credit...already followed the steps in their faq  This post has been edited by one punch man: Jul 21 2016, 02:42 PM |
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Jul 21 2016, 02:54 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(one punch man @ Jul 21 2016, 02:41 PM) anyoone tried apply the Maybank BT thru online/maybank 2u? i have the same, i suspect due to new card not been activated?yesterday and today i try but got this error Balance Transfer Step 1 of 3 Select your Maybank Credit Card for Balance Transfer You do not have any record in this list. but there is no menu or selection for me to click and choose credit...already followed the steps in their faq |
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Jul 21 2016, 11:45 PM
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Junior Member
234 posts Joined: May 2013
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QUOTE(bearbear @ Jul 21 2016, 02:54 PM) i have the same, i suspect due to new card not been activated? possible...i have not received new card yet....dont know when they gonna post....cimb already rcvd 2 months ago |
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Jul 22 2016, 11:48 PM
Show posts by this member only | IPv6 | Post
#304
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Junior Member
89 posts Joined: Feb 2013
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Anyone getting MBB BT refund of 2%? Already pass 30 days///
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Jul 23 2016, 01:04 AM
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Junior Member
57 posts Joined: Oct 2013
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Would bank refund the excess to me if the new bank issues payment more than the amount that was transferred?
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Jul 23 2016, 02:38 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(redbull30 @ Jul 23 2016, 01:04 AM) Would bank refund the excess to me if the new bank issues payment more than the amount that was transferred? depends on banks and frequency mbb so far ok if not too frequent |
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Jul 24 2016, 02:30 AM
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Junior Member
57 posts Joined: Oct 2013
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Any idea if OCBC or Alliance will refund?
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Jul 24 2016, 09:08 AM
Show posts by this member only | IPv6 | Post
#308
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Senior Member
2,380 posts Joined: Mar 2005
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Anybody did BT from Ambank before? I called in last friday to apply and was told by the CR that their BT officer will call me within a few days and it'll take 14 working days for the funds to be transferred over to the other card. Oh man, I should have applied earlier, my OCBC card payment due date is on 1st Aug.
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Jul 24 2016, 12:46 PM
Show posts by this member only | IPv6 | Post
#309
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Junior Member
663 posts Joined: Feb 2009
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Usually for BT by AEON, would they make an effort to expedite the payment process so that it is made by our payment due date, despite our application for BT is a bit late but not too late.
 For g. Statement Date 8th of the month, due 28th of the month, applied BT on 20th of the month. If AEON takes 14 working days to process, then will fall out of the payment due date. |
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Jul 24 2016, 12:50 PM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(one punch man @ Jul 21 2016, 11:45 PM) possible...i have not received new card yet....dont know when they gonna post....cimb already rcvd 2 months ago same, I asked my family to check as I am oversea but they claimed nothing from maybank... |
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Jul 24 2016, 03:44 PM
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Junior Member
20 posts Joined: Jul 2016
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Hai all,
Can I transfer the outstanding amount from 1 BT into another BT, from different banks. For example, Hong Leong is having Reducing BT, so I can still see my total outstanding balance. Since I am opt for apply new Ambank Card with 0% interest (fixed payment every mth for 12 mths), I wish to transfer the remaining balance to the zero interest one. Will tat ever worked? P.S As far as I know, Hong Leong will separate the BT account (giving 16 numbers, starting with 8) and not included in cc statment. Thanks in advance. |
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Jul 24 2016, 10:05 PM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(Ben1009 @ Jul 24 2016, 03:44 PM) Hai all, i believe you can.Can I transfer the outstanding amount from 1 BT into another BT, from different banks. For example, Hong Leong is having Reducing BT, so I can still see my total outstanding balance. Since I am opt for apply new Ambank Card with 0% interest (fixed payment every mth for 12 mths), I wish to transfer the remaining balance to the zero interest one. Will tat ever worked? P.S As far as I know, Hong Leong will separate the BT account (giving 16 numbers, starting with 8) and not included in cc statment. Thanks in advance. however, if my memory serves me right, Ambank imposes a penalty fee if you ever settled earlier than the 12 months on agreement. you might want to check with Ambank first before doing anything. |
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Jul 24 2016, 10:06 PM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(kenlui @ Jul 24 2016, 09:08 AM) Anybody did BT from Ambank before? I called in last friday to apply and was told by the CR that their BT officer will call me within a few days and it'll take 14 working days for the funds to be transferred over to the other card. Oh man, I should have applied earlier, my OCBC card payment due date is on 1st Aug. Don't think you can make it for 1Aug liao. |
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Jul 24 2016, 10:34 PM
Show posts by this member only | IPv6 | Post
#314
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Senior Member
2,380 posts Joined: Mar 2005
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QUOTE(laymank @ Jul 24 2016, 10:06 PM) Don't think you can make it for 1Aug liao. Will call them again tmrw and see how. If cant then I'll probably have to pay first myself.Any idea if OCBC allows excess payment to the ccard to be cashed out? |
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Jul 24 2016, 11:11 PM
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Junior Member
42 posts Joined: May 2008
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QUOTE(Ben1009 @ Jul 24 2016, 03:44 PM) Hai all, HSBC is not allowed to BT from existing BT out to another bank as far as i knowCan I transfer the outstanding amount from 1 BT into another BT, from different banks. For example, Hong Leong is having Reducing BT, so I can still see my total outstanding balance. Since I am opt for apply new Ambank Card with 0% interest (fixed payment every mth for 12 mths), I wish to transfer the remaining balance to the zero interest one. Will tat ever worked? P.S As far as I know, Hong Leong will separate the BT account (giving 16 numbers, starting with 8) and not included in cc statment. Thanks in advance. |
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Jul 25 2016, 06:49 AM
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Senior Member
1,563 posts Joined: Jan 2003 From: peejay
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QUOTE(redbull30 @ Jul 24 2016, 02:30 AM) Any idea if OCBC or Alliance will refund? Not sure. So far I tried MBB few times, no problem. |
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Jul 25 2016, 08:46 AM
Show posts by this member only | IPv6 | Post
#317
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Senior Member
2,380 posts Joined: Mar 2005
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QUOTE(redbull30 @ Jul 24 2016, 02:30 AM) Any idea if OCBC or Alliance will refund? Just called OCBC. They can transfer via GIRO to other bank if u don't have a OCBC bank account provided all your outstanding balance in the credit card has been settled. |
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Jul 25 2016, 04:06 PM
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Senior Member
1,472 posts Joined: Apr 2005 From: SumwHeRe In MaLaYsIa
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QUOTE(kenlui @ Jun 27 2016, 10:31 PM) Planning to apply soon. only for new to bank customers. Good thing is for ambank, don't need to fill up any forms, just call their CS and they'll sort it out after getting the necesary details. Got written anywhere for ambank BT 0% promotion? |
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Jul 25 2016, 04:22 PM
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Junior Member
166 posts Joined: Jul 2008
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Hi sifu's I went through the balance transfer offering on 1st page but not so clear
as am new to balance transfer. To cut long story short, if hutang 3k want to settle in 12 mth which is the better plan, please suggest |
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Jul 25 2016, 04:43 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(Super Maniam @ Jul 25 2016, 04:22 PM) Hi sifu's I went through the balance transfer offering on 1st page but not so clear be specific what's not clear? as am new to balance transfer. To cut long story short, if hutang 3k want to settle in 12 mth which is the better plan, please suggest |
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Jul 25 2016, 04:57 PM
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Junior Member
166 posts Joined: Jul 2008
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QUOTE(brotan @ Jul 25 2016, 05:43 PM) be specific what's not clear? ok so im looking at :1) Public Bank : 1 yr, one time 2.5% fee, Min - 1k per bank, Valid Until : 30/6/2012 (extended until further notice) 2) BSN : 12 mths, 0% fee, 0.3% interest/mth w/ 0% last 6 mths, Min - RM 1k per bank, Valid Until : 30/4/2013 (but BSN say so far always auto extend) For no 1 if follow the scenario above can I assume RM1K + 2.5% (1 time) = 1025, then RM1025/12mth = RM85.42 per month. For no 2 follow again same scenario, RM1K + (0.3% x 6) = 1018, next 6 mtn no interest so RM1018/12mth = RM84.83 per month. Just to confirm my the above calculation correct or not, if yes then look like save a bit on option no 2, hope not left out anything like hidden charges... |
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Jul 25 2016, 05:03 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(Super Maniam @ Jul 25 2016, 04:57 PM) ok so im looking at : correct on what you have said but as always, call the cs to confirm1) Public Bank : 1 yr, one time 2.5% fee, Min - 1k per bank, Valid Until : 30/6/2012 (extended until further notice) 2) BSN : 12 mths, 0% fee, 0.3% interest/mth w/ 0% last 6 mths, Min - RM 1k per bank, Valid Until : 30/4/2013 (but BSN say so far always auto extend) For no 1 if follow the scenario above can I assume RM1K + 2.5% (1 time) = 1025, then RM1025/12mth = RM85.42 per month. For no 2 follow again same scenario, RM1K + (0.3% x 6) = 1018, next 6 mtn no interest so RM1018/12mth = RM84.83 per month. Just to confirm my the above calculation correct or not, if yes then look like save a bit on option no 2, hope not left out anything like hidden charges... |
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Jul 25 2016, 06:03 PM
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Senior Member
924 posts Joined: Aug 2013
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QUOTE(Super Maniam @ Jul 25 2016, 04:57 PM) ok so im looking at : Pick Public Bank, as it offers 0% interest. When you applied for RM1000 balance transfer, they would immediately charge you 2.5% ie RM25 for the first month. For the next 11 months, the monthly instalment would be 1000/12= RM83.331) Public Bank : 1 yr, one time 2.5% fee, Min - 1k per bank, Valid Until : 30/6/2012 (extended until further notice) 2) BSN : 12 mths, 0% fee, 0.3% interest/mth w/ 0% last 6 mths, Min - RM 1k per bank, Valid Until : 30/4/2013 (but BSN say so far always auto extend) For no 1 if follow the scenario above can I assume RM1K + 2.5% (1 time) = 1025, then RM1025/12mth = RM85.42 per month. For no 2 follow again same scenario, RM1K + (0.3% x 6) = 1018, next 6 mtn no interest so RM1018/12mth = RM84.83 per month. Just to confirm my the above calculation correct or not, if yes then look like save a bit on option no 2, hope not left out anything like hidden charges... Eg: You start applying in January 2018 Jan 2018: RM83.33 + RM25 = RM108.33 Feb 2018 to Dec 2018: RM83.33 per month. Make sure pay in full every month. I've been using Public Bank balance transfer for more than 5 or 6 times, and there are no hidden charges. I don't recommend balance transfer programme that has interest rate like BSN. 0.3% per month may look small, but they don't actually calculate it like that. For more accurate calculation, please call BSN bank officer. But I think I can assure you that, there might be some hidden charges in there. |
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Jul 25 2016, 09:24 PM
Show posts by this member only | IPv6 | Post
#324
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Senior Member
2,380 posts Joined: Mar 2005
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QUOTE(amirsubhi @ Jul 25 2016, 04:06 PM) Got written anywhere for ambank BT 0% promotion? Their website. ONLY for new to bank customers. |
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Jul 26 2016, 02:45 PM
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Senior Member
1,472 posts Joined: Apr 2005 From: SumwHeRe In MaLaYsIa
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QUOTE(kenlui @ Jul 25 2016, 09:24 PM) Their website. ONLY for new to bank customers. mind sharing the link, as i only see 5.88% |
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Jul 26 2016, 04:13 PM
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Senior Member
1,178 posts Joined: May 2007
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Yesterday send bt application by email to aeon.
Today 1pm no received email acknowledgement, decide to call the best aeon CS,Mr IEE to check.he engaged. 3min later he call back,tell me he already know what my intention for calling in.WOW! say he already received my email and ptocessing will call me soon. True indeed, within 1 hour received call from n confirm bt.3 hour later received sms bt approved. |
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Jul 26 2016, 10:09 PM
Show posts by this member only | IPv6 | Post
#327
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Senior Member
2,380 posts Joined: Mar 2005
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QUOTE(amirsubhi @ Jul 26 2016, 02:45 PM) mind sharing the link, as i only see 5.88% Can't find it either. Looks like they took it down.This is what I still have, the promotion email I got from my agent when I applied. 
This post has been edited by kenlui: Jul 26 2016, 10:12 PM |
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Jul 27 2016, 01:54 AM
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Senior Member
852 posts Joined: Jan 2015
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Maybank 1% balance transfer for 12mths is back.
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Jul 27 2016, 07:41 AM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(amirsubhi @ Jul 26 2016, 02:45 PM) mind sharing the link, as i only see 5.88% QUOTE(kenlui @ Jul 26 2016, 10:09 PM) Can't find it either. Looks like they took it down. http://www.creditcard99.com/miscellaneous-...ryone-programmeThis is what I still have, the promotion email I got from my agent when I applied.
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Jul 27 2016, 09:14 AM
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Senior Member
1,472 posts Joined: Apr 2005 From: SumwHeRe In MaLaYsIa
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QUOTE(mamamia @ Jul 27 2016, 07:41 AM) Can confirm it's still available? as the date in the promotion are as belowPromotion Period : 23-Nov-2015 till 31-Mar-2016 This post has been edited by amirsubhi: Jul 27 2016, 09:14 AM |
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Jul 27 2016, 10:01 AM
Show posts by this member only | IPv6 | Post
#331
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Senior Member
4,928 posts Joined: Feb 2008 From: /K/opitiam Pak Hang Status: Permaban
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QUOTE(CAFE21 @ Jul 27 2016, 01:54 AM) Maybank 1% balance transfer for 12mths is back. Any link? |
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Jul 27 2016, 10:09 AM
Show posts by this member only | IPv6 | Post
#332
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Senior Member
852 posts Joined: Jan 2015
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QUOTE(gastacopz @ Jul 27 2016, 10:01 AM) Any link? This post has been edited by CAFE21: Jul 27 2016, 10:10 AMAttached thumbnail(s) 
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Jul 27 2016, 12:19 PM
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Senior Member
2,380 posts Joined: Mar 2005
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QUOTE(amirsubhi @ Jul 27 2016, 09:14 AM) Can confirm it's still available? as the date in the promotion are as below Why not u give the bank a call if u've their credit card? easier than asking here.Promotion Period : 23-Nov-2015 till 31-Mar-2016 |
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Jul 27 2016, 03:22 PM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(amirsubhi @ Jul 27 2016, 09:14 AM) Can confirm it's still available? as the date in the promotion are as below Only for new cardholder, u need to check with bank whether u entitled for thatPromotion Period : 23-Nov-2015 till 31-Mar-2016 |
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Jul 27 2016, 07:13 PM
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Senior Member
1,662 posts Joined: Jun 2006
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Maybank rejected my balance transfer application. Anyone got receive any news?
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Jul 28 2016, 01:05 PM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(jacklsw86 @ Jul 27 2016, 07:13 PM) Maybank rejected my balance transfer application. Anyone got receive any news? is it within your available credit limit?it's rare for banks top reject BT imo |
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Jul 28 2016, 01:59 PM
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Senior Member
1,662 posts Joined: Jun 2006
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QUOTE(aromachong @ Jul 28 2016, 01:05 PM) is it within your available credit limit? Ya I think is over my credit limit because I see from maybank2u not enough to pay the bill so I apply by sending form thru email. But I thought can apply to 10kit's rare for banks top reject BT imo |
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Jul 29 2016, 12:51 AM
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All Stars
21,308 posts Joined: Jan 2003 From: Kuala Lumpur
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Anybody had issue with email to Public Bank for their PBB Balance Transfer XVI ?
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Jul 29 2016, 07:39 AM
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Senior Member
2,380 posts Joined: Mar 2005
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Requested for Ambank BT on 22nd, money in by 28th. That was fast, despite calling in them another time to remind that I need the funds hy 1st august.
I'm impressed by their service, but no verification call or whatsoever as told by the CR over the phone. |
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Aug 1 2016, 12:02 PM
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Senior Member
2,155 posts Joined: May 2005
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mbb balance transfer, dont need to bother!
......3 times i sent in for the promo period, 3 times problems and cant make it on time(bear in mind if you dont submit by 20th and approve by 30th, your BT will be 3% instead of 1%). I submit on the 1st day of promo(20th)...until the 10th day(30th) also cannot process....call them to also useless they cannot do anything. one of the reason was Pending due to statement given cannot read, but nobody call me to update me, just leave it there PENDING?! until i called them on the 5th day to check on my status. They tell me please send in again, but it will take another 10days to approve and 10days to relese money?!!! then i say cancel la....they ask me Whyy? omg...seriously? I say if it gets approved after the promo period i get charged 3% right?? then i BT for what? 3 times de....3 times also failed! 1st time got charged 3% liao thats y i know it have to be within the 10days to submit and approve :/ dunno saja or wat....submit 1day also cannot make it on time..... |
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Aug 1 2016, 03:33 PM
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Senior Member
2,677 posts Joined: Dec 2010
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QUOTE(kenlui @ Jul 25 2016, 08:46 AM) Just called OCBC. They can transfer via GIRO to other bank if u don't have a OCBC bank account provided all your outstanding balance in the credit card has been settled. Is there a cap on the max funds to be transferred out? |
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Aug 1 2016, 04:01 PM
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Junior Member
475 posts Joined: Jan 2003
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QUOTE(mIssfROGY @ Aug 1 2016, 12:02 PM) mbb balance transfer, dont need to bother! Hmmmm, my experience with current MBB BT promo is OK so far, did BT twice on 20th last 2 months and all settled before 25th. FYI, I used email to submit and the statement image are printed directly to PNG from PDF.......3 times i sent in for the promo period, 3 times problems and cant make it on time(bear in mind if you dont submit by 20th and approve by 30th, your BT will be 3% instead of 1%). I submit on the 1st day of promo(20th)...until the 10th day(30th) also cannot process....call them to also useless they cannot do anything. one of the reason was Pending due to statement given cannot read, but nobody call me to update me, just leave it there PENDING?! until i called them on the 5th day to check on my status. They tell me please send in again, but it will take another 10days to approve and 10days to relese money?!!! then i say cancel la....they ask me Whyy? omg...seriously? I say if it gets approved after the promo period i get charged 3% right?? then i BT for what? 3 times de....3 times also failed! 1st time got charged 3% liao thats y i know it have to be within the 10days to submit and approve :/ dunno saja or wat....submit 1day also cannot make it on time..... |
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Aug 1 2016, 04:27 PM
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Junior Member
475 posts Joined: Jan 2003
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Anyone know if UOB still offer 1% BT(12 months) to the new-to-bank customers? Called CS and they said it is for selected customers only. Tried to call the telemarketing number posted here previously but no one picking up call.
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Aug 1 2016, 06:25 PM
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Senior Member
1,563 posts Joined: Jan 2003 From: peejay
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QUOTE(mIssfROGY @ Aug 1 2016, 12:02 PM) mbb balance transfer, dont need to bother! I did one 1 week+ ago via maybank2u, no statement is required though. Application approved within 1-2 days. Maybe you can try that for August.......3 times i sent in for the promo period, 3 times problems and cant make it on time(bear in mind if you dont submit by 20th and approve by 30th, your BT will be 3% instead of 1%). I submit on the 1st day of promo(20th)...until the 10th day(30th) also cannot process....call them to also useless they cannot do anything. one of the reason was Pending due to statement given cannot read, but nobody call me to update me, just leave it there PENDING?! until i called them on the 5th day to check on my status. They tell me please send in again, but it will take another 10days to approve and 10days to relese money?!!! then i say cancel la....they ask me Whyy? omg...seriously? I say if it gets approved after the promo period i get charged 3% right?? then i BT for what? 3 times de....3 times also failed! 1st time got charged 3% liao thats y i know it have to be within the 10days to submit and approve :/ dunno saja or wat....submit 1day also cannot make it on time..... |
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Aug 1 2016, 09:31 PM
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Senior Member
2,155 posts Joined: May 2005
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QUOTE(yusiang @ Aug 1 2016, 04:01 PM) Hmmmm, my experience with current MBB BT promo is OK so far, did BT twice on 20th last 2 months and all settled before 25th. FYI, I used email to submit and the statement image are printed directly to PNG from PDF. wow.... its just me then.....i did the same as u....3 times sent to the correct email too...coz they did receive my forms...just never process....leave it pending like forever, never even reject its just my luck... |
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Aug 1 2016, 09:34 PM
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Senior Member
2,155 posts Joined: May 2005
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QUOTE(CalvinCLK @ Aug 1 2016, 06:25 PM) I did one 1 week+ ago via maybank2u, no statement is required though. Application approved within 1-2 days. Maybe you can try that for August. looks like its just my luck....so no thanks...i filled in the form 3 times de....all also failed with the 1st time kena 3%. Hubs bt did went thru....for junes promo after calling and calling like so many times for updates...and after approved and confirmed can get the 1% promo until now havent get the reversal 2% yet... |
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Aug 1 2016, 10:14 PM
Show posts by this member only | IPv6 | Post
#347
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Senior Member
2,380 posts Joined: Mar 2005
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QUOTE(CP88 @ Aug 1 2016, 03:33 PM) Is there a cap on the max funds to be transferred out? Didnt ask about this pulak haha |
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Aug 1 2016, 10:36 PM
Show posts by this member only | IPv6 | Post
#348
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Senior Member
1,243 posts Joined: Sep 2005
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Has anyone gotten the 2% rebate for Maybank's BT promo 1%?
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Aug 1 2016, 11:04 PM
Show posts by this member only | IPv6 | Post
#349
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Senior Member
2,839 posts Joined: Jan 2003 From: KL
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QUOTE(blahbleh @ Aug 1 2016, 10:36 PM) Has anyone gotten the 2% rebate for Maybank's BT promo 1%? not yet |
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Aug 1 2016, 11:33 PM
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Junior Member
106 posts Joined: Jun 2015
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Dear all sifu,
I am thinking to apply Maybank's Promo BT to other credit card and then cash out to put FD. Anyone know which bank allow to transfer the extra money of credit card to saving account besides Maybank?? Thanks |
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Aug 2 2016, 05:42 AM
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Senior Member
1,563 posts Joined: Jan 2003 From: peejay
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QUOTE(mIssfROGY @ Aug 1 2016, 09:34 PM) looks like its just my luck....so no thanks... 3% will be charged first then only reversed within 30 days, as per the T&C. Shall see whether mine will be reversed, or prepare to get fire from me.i filled in the form 3 times de....all also failed with the 1st time kena 3%. Hubs bt did went thru....for junes promo after calling and calling like so many times for updates...and after approved and confirmed can get the 1% promo until now havent get the reversal 2% yet... |
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Aug 2 2016, 07:58 AM
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All Stars
21,308 posts Joined: Jan 2003 From: Kuala Lumpur
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Those who email their PBB BT XVI form, kindly re-fax if you didn't receive PBB auto-acknowledgement email. That's what I did.
Email the application form on 21 July had no response whatsoever. Normally takes 3 working days to complete. Last Friday, decided to FAX the form over. BT approved and appear in Unbilled transactions on 1 Aug. |
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Aug 2 2016, 10:24 AM
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Senior Member
2,155 posts Joined: May 2005
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QUOTE(CalvinCLK @ Aug 2 2016, 05:42 AM) 3% will be charged first then only reversed within 30 days, as per the T&C. Shall see whether mine will be reversed, or prepare to get fire from me. Oh....but more than 30days de woh And the cs told him 14days :/ hiez.... oh well....we shall wait n see la..... thanks guys! |
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Aug 2 2016, 04:18 PM
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Senior Member
4,232 posts Joined: Apr 2011
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Wow! I'm impressed with AEON.
Submitted BT request Sunday late night. Received a call to verify this morning. And an SMS in the afternoon saying it has been approved! Thumbs up! |
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Aug 2 2016, 11:26 PM
Show posts by this member only | IPv6 | Post
#355
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Junior Member
89 posts Joined: Feb 2013
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QUOTE(mIssfROGY @ Aug 2 2016, 10:24 AM) Oh....but more than 30days de woh Yes, mine more than 40 days already and log the complaints last week. Till now, there is no refund yet. And the cs told him 14days :/ hiez.... oh well....we shall wait n see la..... thanks guys! |
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Aug 3 2016, 10:59 AM
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Junior Member
7 posts Joined: Dec 2015
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QUOTE(city_bug @ Aug 2 2016, 11:26 PM) Yes, mine more than 40 days already and log the complaints last week. Till now, there is no refund yet. iv. The 2% up-front fee waiver will be reversed from the credit card account within 30working days from the approval date. Think this week can get the refund gua... This post has been edited by marliv: Aug 3 2016, 11:04 AM |
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Aug 3 2016, 02:18 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(city_bug @ Aug 2 2016, 11:26 PM) Yes, mine more than 40 days already and log the complaints last week. Till now, there is no refund yet. why don't use pbb? also 1%, not need hassle charge 3% and then rebate 2%and pbb so far no need special promo for the 1%. always available |
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Aug 4 2016, 12:45 PM
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Senior Member
1,608 posts Joined: Nov 2007
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Do you think its worth to do BT from MBB to Cimb for 12 months cimb BT?
Or should I just continue paying the MBB cc (slightly more than minimum payment, depends on the cash flow)? |
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Aug 4 2016, 08:11 PM
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Junior Member
645 posts Joined: Sep 2005
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if wan BT for 2 years any recommendations? Furthermore need higher limit to transfer more
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Aug 5 2016, 10:12 AM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(fjoru103 @ Aug 4 2016, 08:11 PM) if wan BT for 2 years any recommendations? Furthermore need higher limit to transfer more i don't think there is such BT for 2 years available. |
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Aug 5 2016, 01:39 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(fjoru103 @ Aug 4 2016, 08:11 PM) if wan BT for 2 years any recommendations? Furthermore need higher limit to transfer more if you are willing to look into post #1, you can find the answer |
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Aug 9 2016, 06:45 AM
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Senior Member
2,155 posts Joined: May 2005
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QUOTE(marliv @ Aug 3 2016, 10:59 AM) iv. The 2% up-front fee waiver will be reversed from the credit card account within 30 still not in yet woh....anyone got it? HUbz' bt oredi 40++days working days from the approval date. Think this week can get the refund gua... |
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Aug 9 2016, 06:54 AM
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All Stars
10,912 posts Joined: Feb 2006
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Want to ask, Public bank balance transfer and it's installment plan are the among best plan in market?
Wanted to apply PBb card, but the web seem have limited info. |
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Aug 9 2016, 09:09 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(vin_ann @ Aug 9 2016, 06:54 AM) Want to ask, Public bank balance transfer and it's installment plan are the among best plan in market? refer to post no 1 and you can compare yourselfWanted to apply PBb card, but the web seem have limited info. or you can go to ringgitplus website for more professional comparison |
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Aug 9 2016, 09:29 AM
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Senior Member
1,563 posts Joined: Jan 2003 From: peejay
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QUOTE(marliv @ Aug 3 2016, 10:59 AM) iv. The 2% up-front fee waiver will be reversed from the credit card account within 30 working days from the approval date. Think this week can get the refund gua... QUOTE(mIssfROGY @ Aug 9 2016, 06:45 AM) still not in yet woh....anyone got it? HUbz' bt oredi 40++days I could see my outstanding balance is deducted by BT Amount x 2% with 6% GST. Will update here once it's posted. |
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Aug 9 2016, 09:35 AM
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Junior Member
7 posts Joined: Dec 2015
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QUOTE(CalvinCLK @ Aug 9 2016, 09:29 AM) I could see my outstanding balance is deducted by BT Amount x 2% with 6% GST. Will update here once it's posted. Yes...me too.... |
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Aug 9 2016, 11:38 AM
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Junior Member
78 posts Joined: Jan 2010 From: Earth
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QUOTE(marliv @ Aug 9 2016, 09:35 AM) Yes...me too.... Yes me too - reversal is in. |
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Aug 9 2016, 01:24 PM
Show posts by this member only | IPv6 | Post
#368
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Senior Member
1,243 posts Joined: Sep 2005
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Mine too, finally!
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Aug 9 2016, 09:09 PM
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Senior Member
1,465 posts Joined: Feb 2009
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Question
If I do BT from Bank A pay to Bank B( few months ago, and currently still got 6 Mo the installment to go) Can i still do BT for Bank B pay to Bank A ?(new CC usage + current month BT amount ) Or since Bank A still under BT, so cannot apply BT for Bank B to pay Bank A ? This post has been edited by busyman: Aug 9 2016, 09:11 PM |
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Aug 9 2016, 09:25 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(busyman @ Aug 9 2016, 09:09 PM) Question yes as long as you have enough creditIf I do BT from Bank A pay to Bank B( few months ago, and currently still got 6 Mo the installment to go) Can i still do BT for Bank B pay to Bank A ?(new CC usage + current month BT amount ) Or since Bank A still under BT, so cannot apply BT for Bank B to pay Bank A ? |
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Aug 9 2016, 09:46 PM
Show posts by this member only | IPv6 | Post
#371
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Junior Member
89 posts Joined: Feb 2013
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QUOTE(blahbleh @ Aug 9 2016, 01:24 PM) Mine too, finally! me too.. after complaints and long wait |
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Aug 10 2016, 07:07 AM
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Senior Member
1,563 posts Joined: Jan 2003 From: peejay
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Posted in my card transaction list:
WAIVER OF 2% ONE TIME CHARGE (SR) GST REVERSAL @ 6% SR Took them about 10 working days. |
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Aug 11 2016, 09:25 AM
Show posts by this member only | IPv6 | Post
#373
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Senior Member
2,050 posts Joined: Dec 2009 From: DC
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Yup, I also got the reversal fee of 2% from Maybank. Its more than 30 days but its in anyway
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Aug 12 2016, 10:16 AM
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Junior Member
288 posts Joined: Jan 2013
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Previously I did BT using Public Bank credit card to Maybank credit card, and then requested the money to transfer to my Maybank savings. The process was smooth and it was only 8k.
What if it involves 20k this time? Will Maybank still allow me to transfer to savings just with a phone call? What about RHB? Anyone with experience with RHB? |
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Aug 12 2016, 01:19 PM
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Junior Member
106 posts Joined: Jun 2015
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QUOTE(alchmiya @ Aug 12 2016, 10:16 AM) Previously I did BT using Public Bank credit card to Maybank credit card, and then requested the money to transfer to my Maybank savings. The process was smooth and it was only 8k. Maybank allowed me to transfer 30K (BT from Ambank) to my saving account. But, It took more than 1 week to credit this amount of money into my saving account. (was explained by Premier CS that it normally take up to 10 working days)What if it involves 20k this time? Will Maybank still allow me to transfer to savings just with a phone call? What about RHB? Anyone with experience with RHB? anyone know any other bank besides Maybank allow me to refund overpayment(BT)? |
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Aug 12 2016, 02:23 PM
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Junior Member
288 posts Joined: Jan 2013
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QUOTE(kenl3w @ Aug 12 2016, 01:19 PM) Maybank allowed me to transfer 30K (BT from Ambank) to my saving account. But, It took more than 1 week to credit this amount of money into my saving account. (was explained by Premier CS that it normally take up to 10 working days) Good to know. Think 9 or 10 working days is their standard reply. The last time I did 8k was quite fast, at most a week.anyone know any other bank besides Maybank allow me to refund overpayment(BT)? |
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Aug 14 2016, 06:06 PM
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Junior Member
485 posts Joined: Jan 2009
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hi all. want to ask, I have few months left to pay for my EPP in maybank. can I still do BT and cancel the card?
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Aug 15 2016, 10:33 AM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(Black Red @ Aug 14 2016, 06:06 PM) hi all. want to ask, I have few months left to pay for my EPP in maybank. can I still do BT and cancel the card? u may need to check with maybnk for any penalty fee for early settlement |
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Aug 15 2016, 12:09 PM
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Junior Member
485 posts Joined: Jan 2009
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QUOTE(sms2u @ Aug 15 2016, 10:33 AM) u may need to check with maybnk for any penalty fee for early settlement thanks. will do. |
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Aug 16 2016, 01:16 AM
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Senior Member
1,015 posts Joined: Jan 2003 From: ~kUala lUmpur~
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does BT amount consider min spend amount per annum?
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Aug 16 2016, 09:55 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(joenjill @ Aug 16 2016, 01:16 AM) does BT amount consider min spend amount per annum? no |
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Aug 17 2016, 02:03 PM
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Junior Member
263 posts Joined: Apr 2005
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If my PBB credit card statement RM3k and outstanding another RM3k.
Can I straight apply BT from AEON to PBB with 6k in total? |
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Aug 17 2016, 02:29 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(lee1234 @ Aug 17 2016, 02:03 PM) If my PBB credit card statement RM3k and outstanding another RM3k. only 3k (statement)Can I straight apply BT from AEON to PBB with 6k in total? |
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Aug 17 2016, 03:08 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(lee1234 @ Aug 17 2016, 02:03 PM) If my PBB credit card statement RM3k and outstanding another RM3k. u may attach the ubill transaction, u may able to BT 6k. but u might cannot , just try and tell us .Can I straight apply BT from AEON to PBB with 6k in total? |
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Aug 17 2016, 04:55 PM
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Junior Member
263 posts Joined: Apr 2005
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QUOTE(brotan @ Aug 17 2016, 02:29 PM) only 3k (statement) thanks |
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Aug 17 2016, 04:56 PM
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Junior Member
263 posts Joined: Apr 2005
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QUOTE(sms2u @ Aug 17 2016, 03:08 PM) u may attach the ubill transaction, u may able to BT 6k. but u might cannot , just try and tell us . Okie. i think no harm to giv it a try |
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Aug 17 2016, 05:06 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(lee1234 @ Aug 17 2016, 04:56 PM) Okie. i think no harm to giv it a try make sure u habve enough time, it may delay the process of BT and cause the payment late. |
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Aug 17 2016, 06:50 PM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(lee1234 @ Aug 17 2016, 04:56 PM) Okie. i think no harm to giv it a try Based on my previous and recent experience with AEON BT (just received the confirmation call at 1pm and SMS approval at 5.30pm today!), this is what I did:1. Print the Unbilled Transaction from PBB online. I circled the Amount Outstanding and highlighted it. 2. Apply for BT using the Amount Outstanding and e-mail the form to AEON Credit customer service. 3. Attach the print out PLUS first page of the earlier PBB full statement (this is what they requested based on my previous experience). I had no problem getting RM36k approved. Timeline below: Mon 15 Aug: Submitted forms via e-mail Wed 17 Aug: Received call at 1pm to confirm BT application. Received SMS approval at 5.30pm to inform that BT application approved. Super efficient. |
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Aug 17 2016, 07:38 PM
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Junior Member
334 posts Joined: Dec 2008
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QUOTE(lilsunflower @ Aug 17 2016, 06:50 PM) Based on my previous and recent experience with AEON BT (just received the confirmation call at 1pm and SMS approval at 5.30pm today!), this is what I did: Agree. I have a similar experience in that AEON is actually ok with a printout of outstanding amount as long as you include the first page of the previous month's statement which proves that particular credit card belongs to you.1. Print the Unbilled Transaction from PBB online. I circled the Amount Outstanding and highlighted it. 2. Apply for BT using the Amount Outstanding and e-mail the form to AEON Credit customer service. 3. Attach the print out PLUS first page of the earlier PBB full statement (this is what they requested based on my previous experience). I had no problem getting RM36k approved. Timeline below: Mon 15 Aug: Submitted forms via e-mail Wed 17 Aug: Received call at 1pm to confirm BT application. Received SMS approval at 5.30pm to inform that BT application approved. Super efficient. |
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Aug 18 2016, 02:08 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(lilsunflower @ Aug 17 2016, 06:50 PM) Based on my previous and recent experience with AEON BT (just received the confirmation call at 1pm and SMS approval at 5.30pm today!), this is what I did: wah, meaning your credit limit more than RM45,000. wonder how much annual income to get that credit limit? AEON cannot pledge FD to get more credit limit.1. Print the Unbilled Transaction from PBB online. I circled the Amount Outstanding and highlighted it. 2. Apply for BT using the Amount Outstanding and e-mail the form to AEON Credit customer service. 3. Attach the print out PLUS first page of the earlier PBB full statement (this is what they requested based on my previous experience). I had no problem getting RM36k approved. Timeline below: Mon 15 Aug: Submitted forms via e-mail Wed 17 Aug: Received call at 1pm to confirm BT application. Received SMS approval at 5.30pm to inform that BT application approved. Super efficient. |
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Aug 18 2016, 02:26 PM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(sms2u @ Aug 18 2016, 02:08 PM) wah, meaning your credit limit more than RM45,000. wonder how much annual income to get that credit limit? AEON cannot pledge FD to get more credit limit. I really don't know how they calculate credit limit, but I certainly don't have a high annual income (just your average salaried employee in office job).Out of all my cards, CIMB gave me the most generous credit limit (120k, which makes absolutely no sense), whilst Maybank is the most prudent (2x monthly basic salary, excluding other income and bonus). The irony is that I only spend exactly RM600 a month on my CIMB Cash Rebate card, which is purely to pay AEON CC via POS Online. |
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Aug 18 2016, 02:49 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(lilsunflower @ Aug 18 2016, 02:26 PM) I really don't know how they calculate credit limit, but I certainly don't have a high annual income (just your average salaried employee in office job). it is weird that u got high credit limit with normal average income.Out of all my cards, CIMB gave me the most generous credit limit (120k, which makes absolutely no sense), whilst Maybank is the most prudent (2x monthly basic salary, excluding other income and bonus). The irony is that I only spend exactly RM600 a month on my CIMB Cash Rebate card, which is purely to pay AEON CC via POS Online. Last time many bank offer high credit limit and some bank start to lower the credit limit for last few years. |
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Aug 18 2016, 03:23 PM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(sms2u @ Aug 18 2016, 02:49 PM) it is weird that u got high credit limit with normal average income. Based on my personal experience, my credit limit got ridiculously much higher in recent years. I got my first CC in 2010, and I was used to seeing credit limits of 10k to 20k approx. For the first 2 years, my credit limit was always X times my monthly basic salary.Last time many bank offer high credit limit and some bank start to lower the credit limit for last few years. Once I started qualifying for Visa Signature cards and above and applying for lots of cards (I currently have multiple cards with SCB, PBB, MBB, HLB, AMBank, RHB, CIMB, AEON, Citibank and HSBC), then the credit limits started going beyond 50k and into 100k plus. I really don't spend much on each card, and only use them for promos, balance transfers and cashback etc. I'm also one of those people who cancel and reapply very frequently to avoid annual fees and qualify for "new customer" sign-up promos (especially SCB, CIMB and Citibank). Again, no idea how they calculate, but I assure you that my income and usage are no way near the credit limits given to me! |
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Aug 18 2016, 06:35 PM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(lilsunflower @ Aug 18 2016, 03:23 PM) Based on my personal experience, my credit limit got ridiculously much higher in recent years. I got my first CC in 2010, and I was used to seeing credit limits of 10k to 20k approx. For the first 2 years, my credit limit was always X times my monthly basic salary. Hahah, we r same type of ppl.. But u can request to reduce the credit limit..Once I started qualifying for Visa Signature cards and above and applying for lots of cards (I currently have multiple cards with SCB, PBB, MBB, HLB, AMBank, RHB, CIMB, AEON, Citibank and HSBC), then the credit limits started going beyond 50k and into 100k plus. I really don't spend much on each card, and only use them for promos, balance transfers and cashback etc. I'm also one of those people who cancel and reapply very frequently to avoid annual fees and qualify for "new customer" sign-up promos (especially SCB, CIMB and Citibank). Again, no idea how they calculate, but I assure you that my income and usage are no way near the credit limits given to me! |
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Aug 18 2016, 07:01 PM
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Junior Member
297 posts Joined: Apr 2010
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QUOTE(lilsunflower @ Aug 18 2016, 03:23 PM) Based on my personal experience, my credit limit got ridiculously much higher in recent years. I got my first CC in 2010, and I was used to seeing credit limits of 10k to 20k approx. For the first 2 years, my credit limit was always X times my monthly basic salary. For premium credit cards, each card carry a minimum credit limit. That means you get the card, you will get at least the minimum credit limit assigned to the card itself regardless of your salaryOnce I started qualifying for Visa Signature cards and above and applying for lots of cards (I currently have multiple cards with SCB, PBB, MBB, HLB, AMBank, RHB, CIMB, AEON, Citibank and HSBC), then the credit limits started going beyond 50k and into 100k plus. I really don't spend much on each card, and only use them for promos, balance transfers and cashback etc. I'm also one of those people who cancel and reapply very frequently to avoid annual fees and qualify for "new customer" sign-up promos (especially SCB, CIMB and Citibank). Again, no idea how they calculate, but I assure you that my income and usage are no way near the credit limits given to me! This post has been edited by notok: Aug 18 2016, 07:02 PM |
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Aug 20 2016, 11:17 AM
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Junior Member
61 posts Joined: Mar 2011
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Hi, Mbb balance transfer promotion 1% can apply by today via M2U right ?
But i still see the charges is 3%.from the selection of 12 months. |
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Aug 20 2016, 05:31 PM
Show posts by this member only | IPv6 | Post
#397
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Senior Member
1,269 posts Joined: Dec 2005 From: Sibu, KL
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Any1 can bt in m2u today? I tried n system unavailable. Or only work on weekday?
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Aug 22 2016, 11:54 AM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(David900924 @ Aug 20 2016, 05:31 PM) Any1 can bt in m2u today? I tried n system unavailable. Or only work on weekday? now is ok already |
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Aug 22 2016, 12:45 PM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(iamsolucky @ Aug 20 2016, 11:17 AM) Hi, Mbb balance transfer promotion 1% can apply by today via M2U right ? read the T&Cs ?But i still see the charges is 3%.from the selection of 12 months. QUOTE Maybank will charge the one time upfront fee of 3% from the approved amount for each approved application. The 2% will be WAIVED for application approved during the Campaign Period. The 2% up-front fee waiver will be reversed from the credit card account within 30 working days from the approval date. |
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Aug 22 2016, 02:33 PM
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Senior Member
1,269 posts Joined: Dec 2005 From: Sibu, KL
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QUOTE(sms2u @ Aug 22 2016, 11:54 AM) now is ok already still same. i call bank and my card still eligible. no choice, i use the form and email to apply.Attached thumbnail(s) 
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Aug 22 2016, 02:35 PM
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Senior Member
2,392 posts Joined: Dec 2009
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guys, why not apply for pbb? you get 1% charge for BT straight away
no need so much hassle like mbb need to wait for rebate This post has been edited by brotan: Aug 22 2016, 02:36 PM |
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Aug 22 2016, 03:03 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(brotan @ Aug 22 2016, 02:35 PM) guys, why not apply for pbb? you get 1% charge for BT straight away either do not have pbb cc or may be fully utilized credit limit?no need so much hassle like mbb need to wait for rebate |
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Aug 23 2016, 05:44 PM
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Newbie
4 posts Joined: Apr 2010
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hi.
Newbie here. My question, which bank is suitable for me to do a BT of RM15k from Public Bank (PBB). Would like to do a 24/36 months term BT. Can anyone suggest me a good bank. |
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Aug 23 2016, 05:45 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(KIW_91 @ Aug 23 2016, 05:44 PM) hi. check post no 1Newbie here. My question, which bank is suitable for me to do a BT of RM15k from Public Bank (PBB). Would like to do a 24/36 months term BT. Can anyone suggest me a good bank. |
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Aug 23 2016, 06:11 PM
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Senior Member
6,483 posts Joined: Apr 2012
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Submitted BT form through MBB Card center at 1U shopping mall.
Received SMS that my BT has approved, took 2 working day to be approved |
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Aug 25 2016, 08:55 PM
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All Stars
65,276 posts Joined: Jan 2003
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question about mbb bt promo.
1) if my mbb credit limit is RM10k, how much can i bt from other banks? 80% of RM10k = RM8k max? 2) i have an upcoming renovation and appliances purchase. total would be rm14k. can i temporary increase credit limit, and then request BT? thanks. |
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Aug 25 2016, 09:13 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(cybpsych @ Aug 25 2016, 08:55 PM) question about mbb bt promo. 1. check faq on post no 11) if my mbb credit limit is RM10k, how much can i bt from other banks? 80% of RM10k = RM8k max? 2) i have an upcoming renovation and appliances purchase. total would be rm14k. can i temporary increase credit limit, and then request BT? thanks. 2. you have to ask your bank for that |
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Aug 29 2016, 08:12 AM
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Senior Member
699 posts Joined: May 2006
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Any Bank offer 0% BT at the moment?
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Aug 29 2016, 08:30 AM
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Senior Member
4,232 posts Joined: Apr 2011
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QUOTE(nitehawk @ Aug 29 2016, 08:12 AM) Any Bank offer 0% BT at the moment? did you read Post#1? |
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Aug 29 2016, 03:54 PM
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Senior Member
9,333 posts Joined: May 2009
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I currently have 50k with HLB... I wishes to clear this up so I can charge another 50k on it....
SO either I BT it to a ZERO cost card.. or I just pay it off. Ofcourse I prefer to BT it cause it will save me a little here and there compared to paying lump sum. WOuld appreciate if anyone knows any real ZERO cost BT available from the following cards... CIMB - World AmBank - Infinite Maybank - Master + Amex PBB - Sig Thanks! |
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Aug 29 2016, 04:14 PM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(MeToo @ Aug 29 2016, 03:54 PM) I currently have 50k with HLB... I wishes to clear this up so I can charge another 50k on it.... errrr, post #1?SO either I BT it to a ZERO cost card.. or I just pay it off. Ofcourse I prefer to BT it cause it will save me a little here and there compared to paying lump sum. WOuld appreciate if anyone knows any real ZERO cost BT available from the following cards... CIMB - World AmBank - Infinite Maybank - Master + Amex PBB - Sig Thanks! |
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Aug 29 2016, 04:22 PM
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Senior Member
9,333 posts Joined: May 2009
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QUOTE(cybpsych @ Aug 29 2016, 04:14 PM) errrr, post #1? I looks thru, seems only PBB.. but abit outdated it was 2014? |
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Aug 29 2016, 04:24 PM
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All Stars
65,276 posts Joined: Jan 2003
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Aug 29 2016, 04:38 PM
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Senior Member
9,333 posts Joined: May 2009
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QUOTE(cybpsych @ Aug 29 2016, 04:24 PM) brotan didnt update it Thanks! PBB's here if your upcoming RM50k charge is in one transaction by a merchant, then can try PBB's Flexipay The Flexipay I cannot use cause I'm charging the sum to HLB's Fortune card to get the $1800 cash back... So left the BT. If I read your link correctly.. the BT 6 months for 6K and above is zero fee... no hidden cost/processing fee etc? This means I have 6 months to clear the 50k? Meaning I can wait until the last month then only dump total sum in? |
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Aug 29 2016, 04:42 PM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(MeToo @ Aug 29 2016, 04:38 PM) Thanks! bt doesnt work that way.The Flexipay I cannot use cause I'm charging the sum to HLB's Fortune card to get the $1800 cash back... So left the BT. If I read your link correctly.. the BT 6 months for 6K and above is zero fee... no hidden cost/processing fee etc? This means I have 6 months to clear the 50k? Meaning I can wait until the last month then only dump total sum in? 50k bt = 6 equal split/portion charged to PBB statement for 6 months (i.e. 6 months x RM8,333) |
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Aug 29 2016, 04:58 PM
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Senior Member
9,333 posts Joined: May 2009
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QUOTE(cybpsych @ Aug 29 2016, 04:42 PM) bt doesnt work that way. Oh okok.. sorry first time do BT50k bt = 6 equal split/portion charged to PBB statement for 6 months (i.e. 6 months x RM8,333) then its also doable.. still better then me paying it off immediately and gaining nothing. No other hidden admin/paperwork/gst cost? Now if there is another bank with BT then I can BT my 2nd 50k as well... feelign like a cheapskate |
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Aug 29 2016, 05:01 PM
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Senior Member
9,333 posts Joined: May 2009
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Wow.. this clause..
"Early Settlement Penalty of RM100 will be charged if the Cardmember terminates or discontinues the programme by making full payment for the Approved Balance or such outstanding thereof prior to the expiry date of the credit scheme duration. (Public Bank Credit Cards only)." Early settlement also cannot!  This post has been edited by MeToo: Aug 29 2016, 05:01 PM |
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Aug 29 2016, 05:04 PM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(MeToo @ Aug 29 2016, 04:58 PM) Oh okok.. sorry first time do BT u can bt all you want, but of course subject to fee (if any) or credit limit (about 80% of available limit) or approval.then its also doable.. still better then me paying it off immediately and gaining nothing. No other hidden admin/paperwork/gst cost? Now if there is another bank with BT then I can BT my 2nd 50k as well... feelign like a cheapskate for a 50k bt, your available CL should be at least 63k (without any outstanding). pbb's so far 6months without any fee, and without the need for statement too. |
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Aug 29 2016, 05:13 PM
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Senior Member
9,333 posts Joined: May 2009
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QUOTE(cybpsych @ Aug 29 2016, 05:04 PM) u can bt all you want, but of course subject to fee (if any) or credit limit (about 80% of available limit) or approval. Thanks for your input!for a 50k bt, your available CL should be at least 63k (without any outstanding). pbb's so far 6months without any fee, and without the need for statement too. My PBB cannot tahan 2 50k BT.... mana ada cukup limit Oh 1 last question... would it be faster to fax in the form or just drop by their branch? Usually what's the lead time with regards to BT? |
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Aug 29 2016, 05:46 PM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(MeToo @ Aug 29 2016, 05:13 PM) Thanks for your input! check the BT form (page 1 footnote). i think email also can.My PBB cannot tahan 2 50k BT.... mana ada cukup limit Oh 1 last question... would it be faster to fax in the form or just drop by their branch? Usually what's the lead time with regards to BT? usually few days to get approved and transfer money. This post has been edited by cybpsych: Aug 29 2016, 05:48 PM |
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Aug 29 2016, 07:08 PM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(MeToo @ Aug 29 2016, 05:13 PM) Thanks for your input! Email is faster. Go to bank they will just help u to fax, but sometime they don even help u to fax n keep it aside.. This is my experience with branch for my first BT with PBBMy PBB cannot tahan 2 50k BT.... mana ada cukup limit Oh 1 last question... would it be faster to fax in the form or just drop by their branch? Usually what's the lead time with regards to BT? |
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Aug 29 2016, 07:20 PM
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Senior Member
9,333 posts Joined: May 2009
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QUOTE(mamamia @ Aug 29 2016, 07:08 PM) Email is faster. Go to bank they will just help u to fax, but sometime they don even help u to fax n keep it aside.. This is my experience with branch for my first BT with PBB Thanks!I'll scan and email them tmr then! |
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Aug 29 2016, 09:01 PM
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Junior Member
27 posts Joined: Oct 2015
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Del
This post has been edited by hazel86: Apr 12 2024, 02:40 AM |
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Aug 29 2016, 09:34 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(MeToo @ Aug 29 2016, 04:22 PM) I looks thru, seems only PBB.. but abit outdated it was 2014? dude, check what i stated. they always extendso no point to update something that didn't change |
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Aug 29 2016, 10:54 PM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(mamamia @ Aug 29 2016, 07:08 PM) Email is faster. Go to bank they will just help u to fax, but sometime they don even help u to fax n keep it aside.. This is my experience with branch for my first BT with PBB I sent my PBB BT application via email yesterday (Sunday). Received confirmation at 8pm today that it's been sent to the processing department. Will update on time line, but with this week's public holiday I suspect it will take longer than usual. |
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Aug 30 2016, 07:08 AM
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All Stars
18,404 posts Joined: Oct 2010
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I would like to BT 4x RM6000 to PBB from 3 other CC accounts, where the balances can be easily cash out. Any good suggestion?
I know it is no longer possible with MBB. Would like to loan rm24000 from PBB with 0% interest for 6 months. This post has been edited by MGM: Aug 30 2016, 07:12 AM |
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Aug 30 2016, 07:24 AM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(MGM @ Aug 30 2016, 07:08 AM) I would like to BT 4x RM6000 to PBB from 3 other CC accounts, where the balances can be easily cash out. Any good suggestion? mbb not accept request to transfer to SA?I know it is no longer possible with MBB. Would like to loan rm24000 from PBB with 0% interest for 6 months. that's exactly what i wanted to do |
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Aug 30 2016, 07:26 AM
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All Stars
18,404 posts Joined: Oct 2010
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QUOTE(cybpsych @ Aug 30 2016, 07:24 AM) mbb not accept request to transfer to SA? AFAIK, MBB CC acc would not accept excess payment.that's exactly what i wanted to do |
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Aug 30 2016, 07:43 AM
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Junior Member
313 posts Joined: Sep 2009
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QUOTE(MGM @ Aug 30 2016, 07:26 AM) AFAIK, MBB CC acc would not accept excess payment. Why MBB cannot accept excess payment?I think every bank accept excess payment |
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Aug 30 2016, 08:32 AM
Show posts by this member only | IPv6 | Post
#430
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(MGM @ Aug 30 2016, 07:08 AM) I would like to BT 4x RM6000 to PBB from 3 other CC accounts, where the balances can be easily cash out. Any good suggestion? I just did excess payment and withdraw like only 2 or 3 weeks ago with mbbI know it is no longer possible with MBB. Would like to loan rm24000 from PBB with 0% interest for 6 months. Did they just recently changed their rules? |
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Aug 30 2016, 08:37 AM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(brotan @ Aug 30 2016, 08:32 AM) I just did excess payment and withdraw like only 2 or 3 weeks ago with mbb I am in the midst of taking out 15k excess payment (called and emailed them supporting docs on Friday). This is my 3rd time and no different from previous experience. Hasn't been transferred yet but i guess in the next couple of days.Did they just recently changed their rules? |
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Aug 30 2016, 08:37 AM
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Senior Member
1,563 posts Joined: Jan 2003 From: peejay
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QUOTE(MGM @ Aug 30 2016, 07:08 AM) I would like to BT 4x RM6000 to PBB from 3 other CC accounts, where the balances can be easily cash out. Any good suggestion? I know it is no longer possible with MBB. Would like to loan rm24000 from PBB with 0% interest for 6 months. QUOTE(brotan @ Aug 30 2016, 08:32 AM) I just did excess payment and withdraw like only 2 or 3 weeks ago with mbb My last one with MBB was early/mid July, without any issue.Did they just recently changed their rules? This post has been edited by CalvinCLK: Aug 30 2016, 08:38 AM |
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Aug 30 2016, 08:41 AM
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All Stars
18,404 posts Joined: Oct 2010
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QUOTE(MGM @ Aug 30 2016, 07:26 AM) AFAIK, MBB CC acc would not accept excess payment. edit:Sorry maybe I should rephrase it: Early 2016, it happened to me, MBB CC acc would not accept excess payment. Maybe now is diff. |
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Aug 30 2016, 08:46 AM
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All Stars
18,404 posts Joined: Oct 2010
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QUOTE(brotan @ Aug 30 2016, 08:32 AM) I just did excess payment and withdraw like only 2 or 3 weeks ago with mbb Did they just recently changed their rules? QUOTE(lilsunflower @ Aug 30 2016, 08:37 AM) I am in the midst of taking out 15k excess payment (called and emailed them supporting docs on Friday). This is my 3rd time and no different from previous experience. Hasn't been transferred yet but i guess in the next couple of days. QUOTE(CalvinCLK @ Aug 30 2016, 08:37 AM) My last one with MBB was early/mid July, without any issue. Sorry if I jolted you guys up, looks like I can try to BT to PBB the whole amt if that is the case. TQ. |
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Aug 30 2016, 09:25 AM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(MGM @ Aug 30 2016, 08:46 AM) Sorry if I jolted you guys up, looks like I can try to BT to PBB the whole amt if that is the case. TQ. Just to share my experience last week with Aeon BT to MBB and PBB:1. PBB excess 10k. I called CS on Friday and she advised me to use credit against all my other PBB cards (principal and supplementary) and then transfer excess to SA (she asked me to email proof of BT and my aeon unbilled transactions). I checked online today and the the credit has been used against my PBB cards, but not yet transfered to SA. Since its only one working day so far, I expect the transfer will happen in next few days. 2. MBB excess 15k. Called CS on Friday and they said to email BT app and request in writing since amount is above their threshold for automatic credit to SA. I emailed then called 2 hours later, and they said they received my request and assigned a case reference number. Advised me to wait 5 working days. Both cases no issue, and I should get the money in my SAs hopefully by end of this week. |
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Aug 30 2016, 09:41 AM
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All Stars
18,404 posts Joined: Oct 2010
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QUOTE(lilsunflower @ Aug 30 2016, 09:25 AM) Just to share my experience last week with Aeon BT to MBB and PBB: AFAIK, AEON BT will only approve amt based on your MBB n PBB statements, didn't know AEON allows excess now. 1. PBB excess 10k. I called CS on Friday and she advised me to use credit against all my other PBB cards (principal and supplementary) and then transfer excess to SA (she asked me to email proof of BT and my aeon unbilled transactions). I checked online today and the the credit has been used against my PBB cards, but not yet transfered to SA. Since its only one working day so far, I expect the transfer will happen in next few days. 2. MBB excess 15k. Called CS on Friday and they said to email BT app and request in writing since amount is above their threshold for automatic credit to SA. I emailed then called 2 hours later, and they said they received my request and assigned a case reference number. Advised me to wait 5 working days. Both cases no issue, and I should get the money in my SAs hopefully by end of this week. This post has been edited by MGM: Aug 30 2016, 09:57 AM |
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Aug 30 2016, 09:50 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(MGM @ Aug 30 2016, 08:41 AM) edit: maybe u did it too frequently?Sorry maybe I should rephrase it: Early 2016, it happened to me, MBB CC acc would not accept excess payment. Maybe now is diff. i normally do like every 3 months |
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Aug 30 2016, 10:01 AM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(MGM @ Aug 30 2016, 09:41 AM) AFAIK, AEON BT will only approve amt based on your MBB n PBB statements, didn't know AEON allowed excess now. I used a month earlier statement which had been already been paid off, which was super high because of long holiday to France, school fees (paid annually to get discount) and insurance (cars plus personal). Due to different statement dates from all my cards, I just chose highest balance from past 2 months (seems like they are not fussy as long as recent statement). Applied 3 BTs one shot for same statements - PBB, Aeon and Maybank 1%. So they're all effectively paying each other, I have the excess cash, while I'm repaying Aeon BT through online cashback cards. Took quite a lot of planning and have to excel sheet timing and amounts etc, but overall I think this strategy is good cash flow management. |
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Aug 30 2016, 10:09 AM
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All Stars
18,404 posts Joined: Oct 2010
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QUOTE(lilsunflower @ Aug 30 2016, 10:01 AM) I used a month earlier statement which had been already been paid off, which was super high because of long holiday to France, school fees (paid annually to get discount) and insurance (cars plus personal). Thought AEON is strict on this. Salute Due to different statement dates from all my cards, I just chose highest balance from past 2 months (seems like they are not fussy as long as recent statement). Applied 3 BTs one shot for same statements - PBB, Aeon and Maybank 1%. So they're all effectively paying each other, I have the excess cash, while I'm repaying Aeon BT through online cashback cards. Took quite a lot of planning and have to excel sheet timing and amounts etc, but overall I think this strategy is good cash flow management. |
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Aug 30 2016, 10:12 AM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(MGM @ Aug 30 2016, 10:09 AM) Thought AEON is strict on this. Salute I think they don't care as long as statement is quite recent. They didn't query at all. :thumbsup: |
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Aug 30 2016, 10:14 AM
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Senior Member
1,563 posts Joined: Jan 2003 From: peejay
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QUOTE(lilsunflower @ Aug 30 2016, 09:25 AM) Just to share my experience last week with Aeon BT to MBB and PBB: Do you know what is the threshold amount for MBB to transfer the credit?1. PBB excess 10k. I called CS on Friday and she advised me to use credit against all my other PBB cards (principal and supplementary) and then transfer excess to SA (she asked me to email proof of BT and my aeon unbilled transactions). I checked online today and the the credit has been used against my PBB cards, but not yet transfered to SA. Since its only one working day so far, I expect the transfer will happen in next few days. 2. MBB excess 15k. Called CS on Friday and they said to email BT app and request in writing since amount is above their threshold for automatic credit to SA. I emailed then called 2 hours later, and they said they received my request and assigned a case reference number. Advised me to wait 5 working days. Both cases no issue, and I should get the money in my SAs hopefully by end of this week. |
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Aug 30 2016, 10:16 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(CalvinCLK @ Aug 30 2016, 10:14 AM) Do you know what is the threshold amount for MBB to transfer the credit? my record is 5.9k |
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Aug 30 2016, 10:18 AM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(brotan @ Aug 30 2016, 10:16 AM) my record is 5.9k Mine is 7.8 without email. I tried 10 and need email. I suspect between 8 and 10? |
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Aug 30 2016, 10:22 AM
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Senior Member
2,392 posts Joined: Dec 2009
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for excess payment thing, pls don't do it too often lah
surely bank will be more alert if too frequent |
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Sep 3 2016, 08:58 PM
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Senior Member
2,680 posts Joined: Dec 2010
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Just checking if anyone has BT to Hong Leong credit card and what is your experience with transferring out the extra credit to Hong Leong savings account? Thanks in advance.
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Sep 5 2016, 04:19 PM
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Senior Member
1,407 posts Joined: Jul 2009
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hi guys, if i want to do a balance transfer to a new bank without credit card.
I have to apply for new credit card then bt or straight away apply for bt? |
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Sep 5 2016, 07:07 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(kingsora @ Sep 5 2016, 04:19 PM) hi guys, if i want to do a balance transfer to a new bank without credit card. read faq post no 1I have to apply for new credit card then bt or straight away apply for bt? |
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Sep 6 2016, 12:00 AM
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Senior Member
1,407 posts Joined: Jul 2009
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QUOTE(brotan @ Sep 5 2016, 07:07 PM) read faq post no 1 No answer for my question. I read before I post my question. |
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Sep 6 2016, 12:40 AM
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All Stars
10,061 posts Joined: Dec 2004 From: Sheffield
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QUOTE(kingsora @ Sep 6 2016, 12:00 AM) No answer for my question. I read before I post my question. no credit card = no BT |
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Sep 6 2016, 09:38 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(bearbear @ Sep 6 2016, 12:40 AM) no credit card = no BT yup and that answer is in the faq |
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Sep 6 2016, 11:21 AM
Show posts by this member only | IPv6 | Post
#451
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Junior Member
56 posts Joined: Mar 2008 From: Penang
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hi guys,
can we do balance transfer from maybank to maybank? my friend said can do.. last few years ago, i asked maybank, they said cannot. |
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Sep 6 2016, 11:22 AM
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Senior Member
3,902 posts Joined: Jul 2007
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QUOTE(payaluas @ Sep 6 2016, 11:21 AM) hi guys, answer in post 1's FAQ.can we do balance transfer from maybank to maybank? my friend said can do.. last few years ago, i asked maybank, they said cannot. |
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Sep 6 2016, 11:31 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(payaluas @ Sep 6 2016, 11:21 AM) hi guys, can those newbies pls review post no 1, especially the faq before asking questions here?can we do balance transfer from maybank to maybank? my friend said can do.. last few years ago, i asked maybank, they said cannot. |
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Sep 6 2016, 12:15 PM
Show posts by this member only | IPv6 | Post
#454
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Junior Member
56 posts Joined: Mar 2008 From: Penang
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hahaha..sory guys.. actually i also know that we cant do transfer between same bank.. i just want to ask if there's special offer at this timming.. refer to post 1 i also know.. i think that's the function of forum..not to kill each other, but help each other
i'm not newbie, only not active as you all.. i joined mar 2008, brotan join dec 2009... hahaha. |
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Sep 6 2016, 12:21 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(payaluas @ Sep 6 2016, 12:15 PM) hahaha..sory guys.. actually i also know that we cant do transfer between same bank.. i just want to ask if there's special offer at this timming.. refer to post 1 i also know.. i think that's the function of forum..not to kill each other, but help each other When I said newbie, I obviously mean newbie for balance transfer. Not newbie to lowyat.neti'm not newbie, only not active as you all.. i joined mar 2008, brotan join dec 2009... hahaha. This post has been edited by brotan: Sep 6 2016, 12:21 PM |
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Sep 6 2016, 12:25 PM
Show posts by this member only | IPv6 | Post
#456
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Junior Member
56 posts Joined: Mar 2008 From: Penang
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QUOTE(brotan @ Sep 6 2016, 12:21 PM) When I said newbie, I obviously mean newbie for balance transfer. Not newbie to lowyat.net hahaha.. u cant judge people from his question bro.. i do balance transfer few times already.i see most of your reply/post is ------> refer to page 1.. pity to those people asking & enjoy foruming.. |
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Sep 6 2016, 01:33 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(payaluas @ Sep 6 2016, 12:25 PM) hahaha.. u cant judge people from his question bro.. i do balance transfer few times already. since you are an old timer for lowyat.net, i assume you are aware why i keep using the same commenti see most of your reply/post is ------> refer to page 1.. pity to those people asking & enjoy foruming.. also, i am not a psychologist nor an expert in finding hidden meaning behind people's words. so i take whatever written at face value This post has been edited by brotan: Sep 6 2016, 01:35 PM |
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Sep 6 2016, 11:23 PM
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Senior Member
1,407 posts Joined: Jul 2009
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QUOTE(payaluas @ Sep 6 2016, 12:15 PM) hahaha..sory guys.. actually i also know that we cant do transfer between same bank.. i just want to ask if there's special offer at this timming.. refer to post 1 i also know.. i think that's the function of forum..not to kill each other, but help each other People come here for info. i'm not newbie, only not active as you all.. i joined mar 2008, brotan join dec 2009... hahaha. If you don't feel like answering just ignore. This is a forum. Not a blog. And yeah, people do read faq at post 1 before asking question. Should have a new rule then, don't ask anything since everything post 1. |
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Sep 7 2016, 07:56 AM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(kingsora @ Sep 5 2016, 04:19 PM) hi guys, if i want to do a balance transfer to a new bank without credit card. apply for a new cc firstI have to apply for new credit card then bt or straight away apply for bt? |
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Sep 7 2016, 08:13 AM
Show posts by this member only | IPv6 | Post
#460
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(kingsora @ Sep 6 2016, 11:23 PM) People come here for info. People come here for infoIf you don't feel like answering just ignore. This is a forum. Not a blog. And yeah, people do read faq at post 1 before asking question. Should have a new rule then, don't ask anything since everything post 1. ## Yes you are right and some info are available in post no 1 If you don't feel like answering just ignore. ## as you correctly pointed out, ppl come here for info. So, i want to help ppl to get the info they need. Just don't expect ppl to spoon fed if answers are already provided and easily available And yeah, people do read faq at post 1 before asking question. ## yes you are right. keyword "some people". i am not a physic to know who already read or not. so i can only deduce that from the content of his/her posts Should have a new rule then, don't ask anything since everything post 1. ## The right answer is "don't ask anything that's covered by post no 1". If you do put some effort and scroll back some of my comments, I do provide direct answers to questions here, as long as not covered by post no 1 This post has been edited by brotan: Sep 7 2016, 10:11 AM |
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Sep 8 2016, 08:28 PM
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Junior Member
127 posts Joined: Nov 2013
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QUOTE(lamode @ May 23 2016, 11:31 AM) you can just pay the min amount, the rest of the balance (RM9.5k) will be interest free until the end of the 0% BT tenure. Why using the card for retail transaction will be charged interest after BT? Is this general in BT or specific to that CC?but remember not to use this card, those retail transactions will kena interest. This post has been edited by vseries: Sep 8 2016, 08:31 PM |
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Sep 9 2016, 08:54 AM
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Senior Member
3,902 posts Joined: Jul 2007
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QUOTE(vseries @ Sep 8 2016, 08:28 PM) Why using the card for retail transaction will be charged interest after BT? Is this general in BT or specific to that CC? specific to that CC |
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Sep 9 2016, 05:47 PM
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Junior Member
127 posts Joined: Nov 2013
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QUOTE(lamode @ Sep 9 2016, 08:54 AM) specific to that CC Thanks. Hope MBB 1% BT promo does not have such condition. Can't find it hope it is not hidden. |
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Sep 10 2016, 09:08 AM
Show posts by this member only | IPv6 | Post
#464
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Senior Member
1,269 posts Joined: Dec 2005 From: Sibu, KL
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QUOTE(vseries @ Sep 9 2016, 05:47 PM) Thanks. Hope MBB 1% BT promo does not have such condition. Can't find it hope it is not hidden. I apply bt maybank 1% for 2nd time, all retail no interest, no worry. |
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Sep 12 2016, 05:59 PM
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Senior Member
854 posts Joined: Jun 2005 From: N9
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anybody manage to transfer funds from pbb cc to casa?
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Sep 12 2016, 06:12 PM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(joylay83 @ Sep 12 2016, 05:59 PM) anybody manage to transfer funds from pbb cc to casa? what's casa? |
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Sep 12 2016, 08:22 PM
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Senior Member
3,902 posts Joined: Jul 2007
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QUOTE(brotan @ Sep 12 2016, 06:12 PM) what's casa? current account / saving account. |
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Sep 13 2016, 09:16 AM
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Senior Member
6,420 posts Joined: Jun 2005
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Hi sifus, can I check on PBB BT on 6m 0%, can I combine bank A and bank B outstanding amount to hit RM6,000?
Or I can only BT to 1 bank at RM6000 to enjoy the 0% interest? And anyone of u try to BT to HLB and ask to refund the excess payment? |
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Sep 13 2016, 09:18 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(mamamia @ Sep 13 2016, 09:16 AM) Hi sifus, can I check on PBB BT on 6m 0%, can I combine bank A and bank B outstanding amount to hit RM6,000? according to their tnc, 6k per bankOr I can only BT to 1 bank at RM6000 to enjoy the 0% interest? And anyone of u try to BT to HLB and ask to refund the excess payment? |
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Sep 13 2016, 06:29 PM
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Senior Member
1,488 posts Joined: Oct 2009
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After having Aeon Credit Cards for more than a year, feel like wanna to ultilize their 0% BT.
Called to the customer service and being told that apart from the BT application form, the card statement from other bank which need to do the BT, have to attach with the BT application. When asking about they take how much time to process the BT, CS said will take about 7 to 14 working days. My question is, if they can't process on time while the due date is coming. Who is going to responsible for the late payment charge and the interest.. This post has been edited by Alec.Yong: Sep 13 2016, 06:30 PM |
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Sep 13 2016, 06:39 PM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(Alec.Yong @ Sep 13 2016, 06:29 PM) After having Aeon Credit Cards for more than a year, feel like wanna to ultilize their 0% BT. Cardholder bear the late payment.. Every BT has such disclaimer..Called to the customer service and being told that apart from the BT application form, the card statement from other bank which need to do the BT, have to attach with the BT application. When asking about they take how much time to process the BT, CS said will take about 7 to 14 working days. My question is, if they can't process on time while the due date is coming. Who is going to responsible for the late payment charge and the interest.. |
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Sep 13 2016, 07:55 PM
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Junior Member
400 posts Joined: Nov 2008
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QUOTE(Alec.Yong @ Sep 13 2016, 06:29 PM) After having Aeon Credit Cards for more than a year, feel like wanna to ultilize their 0% BT. Any hidden T&C for the 0% BT ?Called to the customer service and being told that apart from the BT application form, the card statement from other bank which need to do the BT, have to attach with the BT application. When asking about they take how much time to process the BT, CS said will take about 7 to 14 working days. My question is, if they can't process on time while the due date is coming. Who is going to responsible for the late payment charge and the interest.. |
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Sep 13 2016, 08:03 PM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(yw46 @ Sep 13 2016, 07:55 PM) Any hidden T&C for the 0% BT ? No, as long as u pay ur statement balance on time.. No hidden charges |
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Sep 14 2016, 12:36 AM
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Trade Dispute
2,644 posts Joined: Sep 2013
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QUOTE(Alec.Yong @ Sep 13 2016, 06:29 PM) After having Aeon Credit Cards for more than a year, feel like wanna to ultilize their 0% BT. or you can pay minimum payment first to avoid arreas in CCRISCalled to the customer service and being told that apart from the BT application form, the card statement from other bank which need to do the BT, have to attach with the BT application. When asking about they take how much time to process the BT, CS said will take about 7 to 14 working days. My question is, if they can't process on time while the due date is coming. Who is going to responsible for the late payment charge and the interest.. |
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Sep 14 2016, 03:53 PM
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Senior Member
7,496 posts Joined: Feb 2007
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ok gonna try to charge a larger amount to online transaction card then later do a 0% BT to Aeon then gonna use the online transaction card to pay Aeon through posonline
 anyway if you are overseas, Aeon CS said you can enter overseas mobile number in the form This post has been edited by DarReNz: Sep 14 2016, 03:54 PM |
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Sep 14 2016, 04:01 PM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(DarReNz @ Sep 14 2016, 03:53 PM) ok gonna try to charge a larger amount to online transaction card then later do a 0% BT to Aeon then gonna use the online transaction card to pay Aeon through posonline That is exactly what I did. But I also did simultaneous BT (apply for large BT with PBB, then use Aeon BT to pay PBB). |
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Sep 14 2016, 04:06 PM
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Senior Member
7,496 posts Joined: Feb 2007
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QUOTE(lilsunflower @ Sep 14 2016, 04:01 PM) That is exactly what I did. But I also did simultaneous BT (apply for large BT with PBB, then use Aeon BT to pay PBB). well i thought of charging the amount to Aeon CC to get the points and then BT to PBB but doesn't make sense so better do the other way around so can get 4% CB which is obviously better than points equivalent to 0.4% CB |
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Sep 15 2016, 07:19 AM
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All Stars
65,276 posts Joined: Jan 2003
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 Maybank Balance Transfer 0% p.a 12 months Maybank | Terms and Conditions | FAQs | Campaign Promo | Application Form Campaign Period: 15 September 2016 - 15 March 2017 Enjoy 0% interest for 12 months and 3% upfront fee waived when you transfer your balances from other credit cards to Maybank Credit Card today. Terms and Conditions: Applicable to Maybank MasterCard, Visa or American Express Credit Cards Cardmembers. Applicable to approved Balance Transfer during the campaign period. Minimum transfer amount RM1,000 and maximum transfer amount RM50,000 Upfront fee of 3% for Balance Transfer 0% 12 months is WAIVED during the Campaign period Campaign Mechanics:- i. 12 months Instalment Plan - Interest Rate at 0% per month. ii. The minimum transfer amount is RM1,000 and the maximum amount is capped at RM50,000 per transaction. iii. One time up-front fee at 3% which will be charge from the approved amount for each approved application will be WAIVED during the campaign period iv. The 3% waiver of upfront fee will be credited to credit card account within 30 working days from the approval date. v. Any Balance Transfer plan approved prior to this campaign period is not allowed to be change to this Balance Transfer Plan vi. The fee allocated for the waiver is only up to RM3.6M for 6 months campaign duration. The campaign will be automatically stop upon fund has fully depleted.  This post has been edited by cybpsych: Sep 15 2016, 08:22 AM |
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Sep 15 2016, 07:33 AM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(cybpsych @ Sep 15 2016, 07:19 AM) Maybank Balance Transfer 0% p.a 12 months Maybank | Terms and Conditions | FAQs | Campaign Promo | Application Form Campaign Period: 15 September 2016 - 15 March 2017 Enjoy 0% interest for 12 months and 3% upfront fee waived when you transfer your balances from other credit cards to Maybank Credit Card today. Terms and Conditions: Applicable to Maybank MasterCard, Visa or American Express Credit Cards Cardmembers. Applicable to approved Balance Transfer during the campaign period. Minimum transfer amount RM1,000 and maximum transfer amount RM50,000 Upfront fee of 3% for Balance Transfer 0% 12 months is WAIVED during the Campaign period |
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Sep 15 2016, 07:58 AM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(mamamia @ Sep 15 2016, 07:33 AM) Wow, finally got pure 0% BT from Maybank.. Somemore is 12 months, aiya, I shouldn't do BT to PBB ytd.. i also banging myself to the wall i recently did PBB's 9-mth flexipay for 3 large transactions ... other way to look at it, once next pbb statement is out, amount already >RM1k (total flexipay installment amount), then apply Maybank BT instead. |
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Sep 15 2016, 08:17 AM
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Senior Member
6,420 posts Joined: Jun 2005
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QUOTE(cybpsych @ Sep 15 2016, 07:58 AM) i also banging myself to the wall But the 3% upfront fee waiver is first come first served too i recently did PBB's 9-mth flexipay for 3 large transactions ... other way to look at it, once next pbb statement is out, amount already >RM1k (total flexipay installment amount), then apply Maybank BT instead. |
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Sep 15 2016, 08:21 AM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(mamamia @ Sep 15 2016, 08:17 AM) But the 3% upfront fee waiver is first come first served too yup, got 3.6mil allocation for the 3% fee waiver. if used up fast, promo ending fast too. problem is we dont know if we got waiver until after 30days. |
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Sep 15 2016, 08:35 AM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(mamamia @ Sep 15 2016, 07:33 AM) Wow, finally got pure 0% BT from Maybank.. Somemore is 12 months, aiya, I shouldn't do BT to PBB ytd.. Wow this is amazing!!! I'm going to do it ASAP . I was actually waiting for the 20th to submit the BT app (which I already completed) for the MBB 1% promo, but now got this it's even better. Thanks for sharing so quickly. |
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Sep 15 2016, 09:25 AM
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Senior Member
2,392 posts Joined: Dec 2009
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» Click to show Spoiler - click again to hide... « lol. follow rebate format. limited by amount |
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Sep 15 2016, 09:29 AM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(brotan @ Sep 15 2016, 09:25 AM) » Click to show Spoiler - click again to hide... « lol. follow rebate format. limited by amount previous campaign: 9 September 2014 to 8 March 2015 however, there was no capping T&Cs. |
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Sep 15 2016, 09:29 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(cybpsych @ Sep 15 2016, 09:29 AM) seems to be annual campaign for Maybank i don't like this capping thing. will avoidprevious campaign: 9 September 2014 to 8 March 2015 however, there was no capping T&Cs. |
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Sep 15 2016, 09:36 AM
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All Stars
18,404 posts Joined: Oct 2010
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Speechless TQ TQ
About to do PBB BT today, good timing.BTW no mentioning of submission of other banks' statement, just like PBB? This post has been edited by MGM: Sep 15 2016, 09:37 AM |
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Sep 15 2016, 09:42 AM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(MGM @ Sep 15 2016, 09:36 AM) Speechless TQ TQ need. it's stated in the app form. About to do PBB BT today, good timing.BTW no mentioning of submission of other banks' statement, just like PBB? |
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Sep 15 2016, 09:51 AM
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All Stars
18,404 posts Joined: Oct 2010
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QUOTE(cybpsych @ Sep 15 2016, 09:42 AM) need. it's stated in the app form. TQ again, btw r u working for MBB, seems to have the latest MBB info. |
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Sep 15 2016, 10:01 AM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(MGM @ Sep 15 2016, 09:51 AM) TQ again, btw r u working for MBB, seems to have the latest MBB info. nope. mbb website lor. |
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Sep 15 2016, 10:23 AM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(cybpsych @ Sep 15 2016, 10:01 AM) nope. mbb website lor. I'm so happy about this promo  . I JUST submitted my application via e-mail for RM33k BT. Was already prepared to pay the 1% (for the last round of the previous MBB campaign), so your early announcement managed to save me RM330 - thank you. Better still, I was waiting until 20 Sep, because that's the previous campaign's application period. Under this new campaign, I can submit today, and I'm hoping that the BT will be made before my due date of 22 Sep *fingers crossed*. I'll make the minimum payment today just in case. Will update here on progress. |
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Sep 15 2016, 10:31 AM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(lilsunflower @ Sep 15 2016, 10:23 AM) I'm so happy about this promo i'm having same dilemma now as yesterday i submitted 6-month 0% BT to PBB. now trying to cancel this, and apply MBB's 12-month 0% BT instead. . I JUST submitted my application via e-mail for RM33k BT. Was already prepared to pay the 1% (for the last round of the previous MBB campaign), so your early announcement managed to save me RM330 - thank you. Better still, I was waiting until 20 Sep, because that's the previous campaign's application period. Under this new campaign, I can submit today, and I'm hoping that the BT will be made before my due date of 22 Sep *fingers crossed*. I'll make the minimum payment today just in case. Will update here on progress. almost same as yours, my other card's due date falls on 23 Sep cutting close if MBB slow to revert BT approval. |
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Sep 15 2016, 10:39 AM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(cybpsych @ Sep 15 2016, 10:31 AM) i'm having same dilemma now as yesterday i submitted 6-month 0% BT to PBB. now trying to cancel this, and apply MBB's 12-month 0% BT instead. If can't cancel PBB, perhaps you can wait until PBB charges the first BT instalment to your card, and then apply for MBB BT? So you're effectively using MBB BT to pay (part of) PBB's BT.almost same as yours, my other card's due date falls on 23 Sep cutting close if MBB slow to revert BT approval.OR Proceed with BOTH the MBB and PBB BTs. This should result in excess credit in your other CCs. Then you can request for the excess credit to be transferred into your current / savings accounts. Which is essentially FREE CASH payable in instalments. I personally like the second method and have done this before. |
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Sep 15 2016, 10:41 AM
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All Stars
65,276 posts Joined: Jan 2003
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QUOTE(lilsunflower @ Sep 15 2016, 10:39 AM) If can't cancel PBB, perhaps you can wait until PBB charges the first BT instalment to your card, and then apply for MBB BT? So you're effectively using MBB BT to pay (part of) PBB's BT. PBB BT application canceled. now proceed to apply MBB's BT OR Proceed with BOTH the MBB and PBB BTs. This should result in excess credit in your other CCs. Then you can request for the excess credit to be transferred into your current / savings accounts. Which is essentially FREE CASH payable in instalments. I personally like the second method and have done this before. i prefer 2nd method too, but i'm BT-ing from UOB VOX --> |
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Sep 15 2016, 10:55 AM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(cybpsych @ Sep 15 2016, 10:41 AM) PBB BT application canceled. now proceed to apply MBB's BT Ah OK - yes, true. I never transfer out from UOB, as my main cards are with PBB, HLB and MBB, and I have CASA for all 3.i prefer 2nd method too, but i'm BT-ing from UOB VOX --> Glad things went well for you, and all done before tomorrow's public holiday! |
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Sep 15 2016, 10:56 AM
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Senior Member
2,392 posts Joined: Dec 2009
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just a simple calculation for maybank promo so you are aware of the risk you are taking
promo limited to RM 3.6 mil let's say on average, the balance transfer amount is 5k per application that means only 1st 720 applicants will get it, which can be filled up pretty fast if you are the 721th applicants and beyond, you are trapped because you paid the 3% upfront fee but no refund beware This post has been edited by brotan: Sep 15 2016, 10:58 AM |
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Sep 15 2016, 11:06 AM
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Senior Member
2,680 posts Joined: Dec 2010
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QUOTE(brotan @ Sep 15 2016, 10:56 AM) just a simple calculation for maybank promo so you are aware of the risk you are taking This is a very useful calculation and I'm glad you brought it up for the benefit of everyone.promo limited to RM 3.6 mil let's say on average, the balance transfer amount is 5k per application that means only 1st 720 applicants will get it, which can be filled up pretty fast if you are the 721th applicants and beyond, you are trapped because you paid the 3% upfront fee but no refund beware Even 5k is a conservative assumption. If we assume 10k, the number of eligible applicants is half (only 300+) which can be filled up super quickly. For example, this morning 2 forummers have already submitted their applications. With the long weekend coming up, perhaps more applications will be flooding in. |
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Sep 15 2016, 11:17 AM
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Senior Member
9,333 posts Joined: May 2009
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QUOTE(cybpsych @ Sep 15 2016, 08:21 AM) yup, got 3.6mil allocation for the 3% fee waiver. if used up fast, promo ending fast too. WHOA.problem is we dont know if we got waiver until after 30days. I have about 20k i swiped on a card which I was thinking of paying off immediately... if got 0% BT to MBB would be great... but I'm abit worried about the 3% fee waiver not being known until after the transfer is confirmed |
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Sep 15 2016, 11:29 AM
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Senior Member
2,392 posts Joined: Dec 2009
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QUOTE(lilsunflower @ Sep 15 2016, 11:06 AM) This is a very useful calculation and I'm glad you brought it up for the benefit of everyone. yup that's trueEven 5k is a conservative assumption. If we assume 10k, the number of eligible applicants is half (only 300+) which can be filled up super quickly. For example, this morning 2 forummers have already submitted their applications. With the long weekend coming up, perhaps more applications will be flooding in. that's why i don't even bother to apply myself. haha btw, you already filled up 33k quota. less for others now This post has been edited by brotan: Sep 15 2016, 11:35 AM |
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Sep 15 2016, 11:30 AM
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Senior Member
9,333 posts Joined: May 2009
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QUOTE(cybpsych @ Sep 15 2016, 10:31 AM) i'm having same dilemma now as yesterday i submitted 6-month 0% BT to PBB. now trying to cancel this, and apply MBB's 12-month 0% BT instead. 6 month confirm 0% vs 12 month maybe kena 3%...almost same as yours, my other card's due date falls on 23 Sep cutting close if MBB slow to revert BT approval.I'll keep the bird in hand instead |
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