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Credit Cards Balance Transfer (BT) Plans V4 - Banks Offer List, Credit card debt consolidation
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Ethan
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 Dec 5 2024, 05:39 PM
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QUOTE(fruitie @ Dec 5 2024, 01:16 PM) I see but mine is showing up on the app. In fact, it was my sister who found out and asked me if there’s any catch.  She finally got on the BT boat after I introduced to her long time ago. Anyway, I already received PBB SMS approval I guess I will get the fund tomorrow. Do share if you get the fund tomorrow OK? I applied on Tuesday. Got the approval SMS on Wednesday. Today Thursday still tak dapat duit.  But the first installment payment already appears today in my unbilled transaction in MyPBB. |
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Ethan
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Dec 6 2024, 10:09 AM
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QUOTE(fruitie @ Dec 5 2024, 05:57 PM) Just realised shared by others it is T+2. Same here. It arrived on T+2 late night. (Thursday). |
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Ethan
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Jan 6 2025, 03:59 PM
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Started paying for the PBB's BT now and I just noticed the monthly payment also enjoy cashback?!?! Technically I am paying back less money (in 6 installments) than I have received.  |
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Ethan
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Jan 7 2025, 09:59 AM
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QUOTE(Ethan @ Jan 6 2025, 03:59 PM) Started paying for the PBB's BT now and I just noticed the monthly payment also enjoy cashback?!?! Technically I am paying back less money (in 6 installments) than I have received.  I use this card only for lounge access and now easycash. I never really use it for any other transaction so the cashback is granted for the installment payment of easycash, hahaha. But I just checked previous month's statement, there was no cashback for last month's payment so...  I'm not complaining anyway. |
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Ethan
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Mar 7 2025, 11:31 AM
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QUOTE(TongCN @ Mar 7 2025, 11:01 AM) https://www.affinalways.com/en/btipI'm confused but why the "I am transferring balances from (You can select up to 5 banks)" not transfer "TO"? Even i applied the email also put "transfer from"  You are transferring the CREDIT... like transferring the DEBT. It sounds logical to me. |
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Ethan
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Jun 20 2025, 01:29 PM
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QUOTE(gastacopz @ Jun 20 2025, 08:59 AM) anyone on last payment with UOB BT? Me got 2 BT with them, with 1 month different start date. But my last payment for 1st BT, combined with 2nd last for 2nd BT is incorrect. They still put min balance, RM200++ , where as the last payment should be more than 3k... Should i follow my own calculations or follow statement one? Follow your own calculation (well, make sure it's accurate). Don't follow the statement because that is the minimum payment to avoid late payment fee. It is not the minimum payment to avoid interest being charged. I called the customer service to confirm the amount of my final payment for the first BT. It matches what I calculated beforehand. This post has been edited by Ethan: Jun 20 2025, 01:31 PM |
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Ethan
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Jun 30 2025, 03:41 PM
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Do you guys know if CIMB usually offer BT/EasyCash with 0% interest for existing card holder?
I am thinking to cancel my CIMB card if they don't normally make such offer.
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Ethan
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Jul 1 2025, 11:26 AM
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QUOTE(justanovice @ Jun 30 2025, 04:31 PM) I Have not seen any of such offer since many years ago though QUOTE(ruben7389 @ Jun 30 2025, 05:33 PM) I think last 15 years since I had their card, never had any promo 0 interest QUOTE(Barricade @ Jun 30 2025, 06:44 PM) Thanks for the info! Cancelling then... Save RM25 tax.  |
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Ethan
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Oct 10 2025, 01:43 PM
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UOB is annoying indeed. I didn't get the promotional SMS this month, but I went on to apply for the 0% BT anyway (with the code BT52), and they called yesterday telling me I am not entitled to the promo..... instead offered me BT at 3.99% p.a.  I told them the same thing. If there's no 0%, no need to call... which, of course they will ignore anyway. This post has been edited by Ethan: Oct 10 2025, 01:44 PM |
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Ethan
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Nov 6 2025, 10:26 AM
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QUOTE(wongmunkeong @ Nov 5 2025, 09:01 PM) thus, i only use banks that allow such BT - banks like MBB and PB doesnt seem to allow via their online. PBB allows this in their website application. I just made the 0% BT... PBB paying into HLB's BT account. Money received in two days.  |
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Ethan
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Nov 6 2025, 03:48 PM
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QUOTE(Human Nature @ Nov 6 2025, 11:30 AM) Just to confirm, you applied for PBB BT and send the money directly to HLB 16 digits BT account? 6 months BT tenure? QUOTE(TongCN @ Nov 6 2025, 02:52 PM) So meaning u fill in the targeted account = HLB Balance transfer 16 digits ? * Not the HLB CC 16 digits Yes, the BT account number is 16 digits, just use that as the destination account for your BT.  This post has been edited by Ethan: Nov 6 2025, 03:53 PM |
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Ethan
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Nov 7 2025, 08:08 AM
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QUOTE(MGM @ Nov 6 2025, 05:37 PM) What happen when your HL BT account still have few more instalments n u pay more than the remaining balance, considered as early settlement, rm70 fees charged n account closed.? I think it will be considered as early settlement and kena RM70 fine lor. |
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