Is it possible to BT to supp card not under my name, but supp under me?
Credit Cards Balance Transfer (BT) Plans V4 - Banks Offer List, Credit card debt consolidation
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 May 8 2017, 04:10 PM
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#1
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Senior Member
6,257 posts Joined: Jul 2005 From: UEP Subang Jaya   
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May 12 2017, 12:00 PM
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#2
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Senior Member
6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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Applied for the Maybank balance transfer, after calling up customer service to confirm offer still on.
What's the chances that their 7.4 million target get hit between the time I aply and the time of approval? How long did approval take for others here? |
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May 26 2017, 02:44 PM
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#3
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6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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QUOTE(hurricane21 @ May 26 2017, 02:00 PM) Lazy already might as well I just paid accordingly on curent CC, this is due to some stupid merchant forgot to swipe installment for me that's why I want to try BT so I can save some interest. Did you realize BT is not free except for special promo? You have to pay interest both on initial amount and outstanding amount, generally. |
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May 28 2017, 02:59 AM
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#4
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6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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QUOTE(hurricane21 @ May 26 2017, 03:00 PM) Yeah I knew it but at least the interest is one time right if I choose the tenure for BT installment. Interest is money you throw away. You're not getting any benefit from that money you throw away, except easier cash flow. For business that makes sense as cash flow generated profit. For you personally, much less so. |
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May 30 2017, 09:47 AM
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#5
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6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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I got the waiver for my application on 18th May (received 26th May).
But my application from 22nd May didn't get yet (amount already transferred and charged of course). |
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Aug 21 2017, 12:22 PM
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#6
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6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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Did my last BT application for Maybank. Thanks to all who shared info, especially confirming AEON BT is via Citibank.
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Sep 7 2017, 10:10 AM
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#7
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6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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QUOTE(paogeh @ Sep 6 2017, 05:10 PM) Since i;m doing BT with applying new CC , Visa Signature online purchase can be used to pay for TNB at UOB payonline or shopee. Same for TIME I think (but I don't use TIME so not 100% sure).this is what i'm planning to get cards, please advise 1, Maybank Ilkwan -- 5% Petrol/Grocery on Fri/Sat == cap at RM50 2. PBB, VISA SIGNATURE - 6% Grocery/Dining/Online purchase = cap at rm50 *currently still missing utilies bill (TNB/TIME broadband) rebate . Any good card for that ? And petrol rebate for other cards, since Maybank can pump on Fri/Sat .... ??? Thanks |
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Sep 19 2017, 08:11 PM
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#8
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6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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QUOTE(jaymeeteh @ Sep 19 2017, 06:17 PM) Not even for next of kin? Definitely not. Even husband wife or mother daughter not able to. Your credit worthiness is a personal thing.One possible backdoor for smaller amounts is to use personal selling websites to "sell" something to you using your credit card. This probably violates the t&c though, and most do charge a fee. |
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Oct 7 2017, 08:57 AM
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#9
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6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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QUOTE(cybpsych @ Oct 7 2017, 08:15 AM) 36-month plan at 8% interest rate. No thanks. |
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Nov 5 2017, 04:36 AM
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#10
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6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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11 cents per month. If you BT 5000 ringgit, how much interest are you earning on it a month? Conservatively at 3% interest rate it's 150 ringgit a year or 12.50 a month....
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Dec 7 2017, 12:44 PM
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#11
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QUOTE(hitch80 @ Dec 7 2017, 12:40 PM) GUys,...just need some advise / suggestion Here we don't even consider BT whic is not 0% upfont and 0% p.a. There are three banks/credit institutions giving that now, Maybank, Public Bank, and AEON. Don't even consider any of the others, why pay for something you can get free?which 1 would should we chhose, if the BT offers (from 2 different banks) 1) 5.99% pa for 6 months OR 2) 3% upfront fee for 0% for 6 months which 1 would be more beneficial? Thank you guys! |
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Dec 13 2017, 12:59 PM
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#12
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6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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QUOTE(ktn1169 @ Dec 13 2017, 12:16 PM) any problem in m2u balance transfer now? when i click apply balance transfer it just prompted me error. Yesterday worked, and today transferred already (according to SMS, haven't arrived in target account of course). |
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Jan 12 2018, 05:23 PM
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#13
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6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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Long time I haven't done Aeon BT ( last time was in 2015!) do they still accept outstanding balance (rather than statement balance)? Been spoilt by MBB and PBB so easy to apply, no need statement also.
Anyone got the email for submission of BT? |
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Jan 25 2018, 03:05 PM
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#14
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Senior Member
6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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Applied for AEON BT 2 days ago, still no call. Thought it would be fast based on previous testimony here =)
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Feb 1 2018, 11:09 AM
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#15
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Senior Member
6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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QUOTE(LostAndFound @ Jan 25 2018, 03:05 PM) Applied for AEON BT 2 days ago, still no call. Thought it would be fast based on previous testimony here =) QUOTE(realitec @ Jan 25 2018, 04:03 PM) Try to call and follow up. Otherwise wait for few days and see. In the end only got reply yesterday saying 'we have forwarded it to the relevant department'. 8 days for that (application sent 23rd, 31st send this 'forwarding' email). |
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Feb 1 2018, 11:43 AM
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#16
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6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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QUOTE(fruitie @ Jan 13 2018, 12:02 AM) Yes, screenshot is accepted. Email address: customer.service@aeonmalaysia.com.my QUOTE(realitec @ Feb 1 2018, 11:24 AM) I see, hope the waiting game ends soon. It is strange they use more than 1 week working days to process your application. I think the reason may be that I send to the above address. Is it correct? They just called me and ask me to send again to cc_cad@aeonmalaysia.com.my |
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Feb 1 2018, 12:44 PM
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#17
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Senior Member
6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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Now AEON asking me to resend statement as they will only BT statement amount not outstanding balance. Isn't it possible to request for BT for outstanding balance, I think I read that here before.
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Feb 2 2018, 01:41 PM
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#18
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Senior Member
6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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QUOTE(Iceman74 @ Feb 2 2018, 12:51 PM) Normally how long MBB it take to transfer to saving? was told by MBB cs, need 8 working days When amount higher than 10k it took me almost 20 days. Below 10k no issue, faster. |
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Feb 8 2018, 01:48 PM
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#19
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6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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QUOTE(paogeh @ Feb 8 2018, 11:16 AM) want to ask ANY bank that offer ZERO COST for IBG/Instant transfer to credit card/balance transfer/saving account ? Standard Chartered to all types of account is free.As far as i know , zero cost 1. Alliance - only credit/loan acc 2. UOB ? 3. other ?? thank you |
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Feb 8 2018, 04:48 PM
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#20
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Senior Member
6,257 posts Joined: Jul 2005 From: UEP Subang Jaya
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Hmm, resubmitted my balance transfer application to AEON. Email sent 3 hours ago, already got rejection sms. Wonder why... My current utilization on that card (AEON BIG) is 0 ringgit (fully paid off), and my application for BT was only about 40% of my credit limit.
Anyone experience this before? |
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