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

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CalvinCLK
post May 31 2016, 06:21 AM

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From: peejay


Anyone tried BT to saving account directly? Am thinking whether it can be done.
CalvinCLK
post Jul 25 2016, 06:49 AM

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From: peejay


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.
CalvinCLK
post Aug 1 2016, 06:25 PM

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QUOTE(mIssfROGY @ Aug 1 2016, 12:02 PM)
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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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.
CalvinCLK
post Aug 2 2016, 05:42 AM

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QUOTE(mIssfROGY @ Aug 1 2016, 09:34 PM)
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... sweat.gif
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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.
CalvinCLK
post Aug 9 2016, 09:29 AM

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From: peejay


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... biggrin.gif
*
QUOTE(mIssfROGY @ Aug 9 2016, 06:45 AM)
still not in yet woh....anyone got it? HUbz' bt oredi 40++days  sweat.gif
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I could see my outstanding balance is deducted by BT Amount x 2% with 6% GST. Will update here once it's posted.
CalvinCLK
post Aug 10 2016, 07:07 AM

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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.
CalvinCLK
post Aug 30 2016, 08:37 AM

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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

Did they just recently changed their rules?
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My last one with MBB was early/mid July, without any issue.

This post has been edited by CalvinCLK: Aug 30 2016, 08:38 AM
CalvinCLK
post Aug 30 2016, 10:14 AM

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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:

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.
*
Do you know what is the threshold amount for MBB to transfer the credit?
CalvinCLK
post Sep 15 2016, 07:12 PM

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QUOTE(cybpsych @ Sep 15 2016, 07:58 AM)
i also banging myself to the wall  bangwall.gif

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.
*
bangwall.gif bangwall.gif bangwall.gif
Utilised more than 60% of my limits ady and now they come out with this. Possible to ask for increase of limit and submit another 10-20k? tongue.gif
CalvinCLK
post Sep 16 2016, 11:35 PM

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QUOTE(lilsunflower @ Sep 15 2016, 07:16 PM)
Good news - the answer is yes. I applied for credit limit increase on 14 September and e-mailed the form to MBB at 8am yesterday.

This morning I checked my Maybank2u, and my CL was already increased (but by 10k only). I received the SMS notification that my CL had been approved at 6.43pm today (even though this morning I could see that my CL had already been increased).

However, note that MBB's CL limit increase is quite strict. My MBB CL is the lowest amongst all my credit cards, and the increment was only 10k. They will self assess how much they can give you based on your income documents.
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Great! Thanks!
CalvinCLK
post Nov 26 2016, 12:00 PM

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QUOTE(vincentxiang @ Nov 25 2016, 07:59 PM)
hi, i plan to go hl branch apply 6 mth BT wth 0% interest rate tmr... noted branch in mid valley will open,am i able do that by walk in tmr?
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Is there a 0% interest 6 months BT for Hong Leong Bank CC?

Edit: I checked first post, 0% interest but 6.99% one time fee.

This post has been edited by CalvinCLK: Nov 26 2016, 12:01 PM
CalvinCLK
post Dec 15 2016, 08:06 PM

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QUOTE(lilsunflower @ Dec 15 2016, 11:17 AM)
Yeh - the CL increase request can be done in 1-2 days, then apply for BT quickly.

I just got my PBB BT application approved for RM15k and paid today to my MBB. So now my MBB has excess credit of about RM9k.

Will apply for MBB BT again (3rd round) up to max possible.

Then can retire from BT applications for a while and just pay off the high instalments for the next 12 months.
*
CL increase application only takes 1-2 days? Great! Gonna submit later, hope it can be done by end of next week. rclxms.gif

Thanks for sharing.
CalvinCLK
post Dec 19 2016, 01:17 PM

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QUOTE(chiahau @ Dec 19 2016, 12:44 PM)
And maybank still taking their sweet to give me higher CL despite sending in relevant documents which clearly states that my income has increased to a more "appropriate" level to warrant my request.

Guess by the time they sort this out, my BT plan sudah koyak.
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When did you submit? I submitted one request last Thu, not sure how long it's gonna take.
CalvinCLK
post Dec 19 2016, 06:08 PM

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QUOTE(chiahau @ Dec 19 2016, 02:17 PM)
12/12/2016

They did reply me to furnish some documents such as repayment records for housing loan/hire purchase or those but I can't provide them any since I have no housing loan/hire purchase to begin with....

Never once I made any form of late payment to my MBB card thou :/
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Just login to maybank2u and saw my credit limit has been increased. Maybe you should check yours too.
CalvinCLK
post Dec 19 2016, 06:12 PM

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QUOTE(lilsunflower @ Dec 15 2016, 10:47 AM)
Not sure if anyone already posted this, but I just noticed that the MBB BT promotion terms and conditions have changed.

Most importantly:

1. Now only until 31 December 2016 (instead of 31 March 2017)
AND
2. No more fee quota for the waiver (i.e. as long as within promo period, waiver is auto)


New terms and conditions stated here: http://www.maybank2u.com.my/WebBank/bt140916_tnc.pdf

As there's only 2 weeks left - anyone who wants to apply should get the applications in ASAP!
*
Weird... I saw this in Maybank2u.com

Attached Image

* 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 CalvinCLK: Dec 19 2016, 06:12 PM
CalvinCLK
post Dec 19 2016, 11:18 PM

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QUOTE(lilsunflower @ Dec 19 2016, 10:56 PM)
Well this appears to be the latest position: http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

Anyway, not many more days until 31 Dec, so anyone who wants to apply should do so ASAP.
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Thanks. Looks like the one under "Apply BT" after login is not updated. Gonna apply tomorrow. biggrin.gif
CalvinCLK
post Dec 20 2016, 02:31 PM

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Sharing my experience:

16 Dec 11AM - submitted limit increase form with 3-mth payslip via email.
16 Dec 3PM - acknowledgement email received from mbb card customer service.
19 Dec 6PM - noticed that my credit limit has been increased via maybank2u.com. No notification received till now though but at least I can proceed with BT now.

Total time taken - 1 - 1.5 working days

This post has been edited by CalvinCLK: Dec 20 2016, 02:31 PM
CalvinCLK
post Jan 10 2017, 01:18 PM

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QUOTE(chiahau @ Jan 10 2017, 11:42 AM)
And thanks to inefficient staff, slow to respond to email and etc, I missed out this opportunity.

It's okay, I'll wait for the new promo.
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Yes kinda inefficient of late. I submitted my transfer of overpayment request 3 weeks ago, now only they do it. Somemore after I emailed and called them again. doh.gif
CalvinCLK
post Jan 13 2017, 08:18 AM

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QUOTE(adele123 @ Jan 13 2017, 08:03 AM)
mine was applied and approved 20th... Just check m2u this morning, they have credited back (based on my O/S balance).

I still can't view the reversal transaction under transaction history. so ya, not sure if yours will be in the same time as mine.
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Same here. Mine was applied and approved on the 20th December too, saw the refund reflected from my outstanding balance. thumbup.gif
CalvinCLK
post Jan 25 2017, 06:32 AM

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Just saw Aeon Credit Balance Transfer Form.. Must be faxed to the phone number? Any other method like email? Thanks

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