Welcome Guest ( Log In | Register )

Outline · [ Standard ] · Linear+

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

views
     
MiKE7LIM
post Nov 1 2016, 11:10 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


any bank still offering 0% interest for 6-12months?

other than Aeon

Maybank promo is waive 3% upfront right? is it 100% can get waive?

i only have Citi/Maybank/Aeon zzZzzz
MiKE7LIM
post Nov 1 2016, 11:34 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(fruitie @ Nov 1 2016, 11:16 PM)
It has quota but safely to say, the quota is still there so you still can get the 3% waiver, at least for now.

Well, I know PBB, AEON and Maybank, you don't have much choice from your existing cards.
*
hmm...quota some more blush.gif need to consider to apply PBB card then..

thanks thumbsup.gif
MiKE7LIM
post Nov 1 2016, 11:47 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(lilsunflower @ Nov 1 2016, 11:40 PM)
PBB strongly recommended. PBB VS is the best if you qualify. If not, still a great card for BT and also frequent promotions. Helpful CS too.
*
saw the TnC for annual fee waiver is only 12 swipe per year? rclxms.gif

will try to get this card laugh.gif
MiKE7LIM
post Dec 26 2016, 05:22 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(btan @ Dec 23 2016, 09:13 PM)
maybank reject my BT
*
print out and fill up the form bah...

mine electronic submission also got rejected twice. once print out and submit, fund transferred within 3 working days
MiKE7LIM
post Feb 25 2017, 01:42 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(celaw @ Feb 4 2017, 07:47 AM)
No. Is UOB. I just got their new card.
*
bro, have you complete your first BT with UOB?
how was it look like in your internet banking?
MiKE7LIM
post Feb 27 2017, 08:08 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(celaw @ Feb 27 2017, 07:48 PM)
I just look at the statement. Previously I did own a uob credit card. The balance transfer account is showing my old credit limit, so balance transfer account show 100% amount due as it is "over credit limit". I give a call to uob cc centre, they make a request to synchronize my credit limit. Besides that, I request to disable the auto proportioned payment function from uob as well.
*
is it park under your credit card or under different account number?
coz i got two card ..1 is activated and 1 keep at home... the BT account was different with the active 1...just worry they park it under the 1 that not active 1...
MiKE7LIM
post Feb 27 2017, 08:31 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(celaw @ Feb 27 2017, 08:10 PM)
I have 2 cards with UOB. UOB will create another account for BT (3rd account)
*
Thanks...hopefully mine is the same..coz oversea now and payment due date is just next few days
MiKE7LIM
post Mar 24 2017, 07:41 AM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


UOB BT 6month just request to pay min amount on the 1st 5 month ...and clear all outstanding on the 6th month?
Anyone used UOB BT before?
MiKE7LIM
post Mar 24 2017, 05:17 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(nasiayam @ Mar 24 2017, 09:26 AM)
my BT just got approved last month, yup pay 5% for 1st 5 months, balance settle at 6th month
*
lol...mine is 50% of the amount i suppose to pay...
example monthly 6000...they mentioned min amount 3K.
MiKE7LIM
post Apr 15 2017, 02:28 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(lilsunflower @ Apr 14 2017, 12:07 PM)
Nothing complicated. For example, if I have 60k BTs with AEON and PBB, I have to pay 10k per month each (total 20k).

So I apply for MBB BT for 24k (to include my other expenses), and this clears one month instalment on PBB and Aeon.

But now my MBB will have 2K per month. Because of timing issues, I will apply for another MBB BT to cover the next month PBB and Aeon.. So send up with 4k per month to pay to MBB.

And I will then apply PBB to clear MBB.

It's complicated to explain, but the gist is that I will keep trying to time my BT applications to clear each other so I don't need to pay the instalments so quickly. Can only do for MBB and PBB as Aeon is restricted to once every 6 months.
*
notworthy.gif really sifu level
I didnt know MBB can do multiple BT as i always tot is the same as Aeon ..once every 6months.
thumbsup.gif
I failed to get my PBB card...so now only can play around Aeon & MBB for 0% BT
UOB and Citi bank doesn't offer FOC BT rclxub.gif
MiKE7LIM
post May 17 2017, 12:27 AM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(westlife @ May 16 2017, 09:37 PM)
just applied another one under my mastercard.  biggrin.gif

[attachmentid=8820816]
*
have you successfully got the BT?
I have several BT request via M2U ... all got rejected confused.gif

100% prompt cc payment...few deposits...m2u savers-i saving ...etc

aikss..seem like need snap shoot other cc statement and send in via email...sigh
MiKE7LIM
post May 18 2017, 12:58 AM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(westlife @ May 17 2017, 06:20 AM)
ur rejection is immediately shown after submit or?

[attachmentid=8821125]
*
got preliminary approval upon request...official rejection after a few days.
MiKE7LIM
post Sep 19 2017, 10:37 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


hi sifus...
anyone got finance charge for BT account?

last BT is 3K and monthly should be 500...

paid on time and etc...got charge RM7.++ even I paid two days before due date



MiKE7LIM
post Sep 20 2017, 03:52 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(red_scorpion @ Sep 20 2017, 04:50 AM)
which bank charge that ? better call cs to ask them ..
*
UOB bank.
as I remember... we only need to pay min... but I paid the actual proportioned amount..
MiKE7LIM
post Jan 7 2018, 06:26 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(fruitie @ Jan 5 2018, 07:54 PM)
My last BT in last month using M2U online, I wasn't charged with any upfront payment unlike last time. I BT-ed RM 3.6k and monthly payment is RM 300 posted on my statement date without any upfront payment charged.
*
yup. mine was like ur case since my first BT with MBB without any upfront payment. rclxms.gif
MiKE7LIM
post Jan 17 2018, 12:33 AM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(fruitie @ Jan 10 2018, 10:47 PM)
I'm impressed with AEON BT.

Submitted application via email on Monday - 10.58 a.m.

Received verification call on Tuesday - 10.34 a.m.

Received approval SMS on Tuesday - 4.57 p.m.

Checked my Maybank cards just now, fund is already in and reflected. Now pending for fund to be reflected in my SCB too. thumbup.gif
*
hahah! you make me want to try AEON again tongue.gif
due date 22/1 ... try 2moro test their efficiency ! biggrin.gif
MiKE7LIM
post Feb 1 2018, 02:04 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(gastacopz @ Feb 1 2018, 07:54 AM)
Hi,

My 6th instalment shown at aeon portal.

Can i request for new BT?

and for those who use screenshot to appl, means u attached statement and unbilled transactions is it??
*
LOL..my 6/6 BT installment will reflect on coming statement...

just submitted new BT request and print screen on CC statement...

hopefully can get approval soon... due date 7/2 @,@
MiKE7LIM
post Feb 11 2018, 11:01 AM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


submit my AEON BT on 1/2 ... KL Public Holiday.
get called by 2 or 3/2 for verification.

got the money to clear cc by 6/2.
Due date 7/2!
hahaha
MiKE7LIM
post Apr 5 2018, 09:32 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(kepong91 @ Apr 5 2018, 09:25 PM)
Anyone experience entering wrong card number while applying BT through online?

In my case, I did entered the wrong UOB card number while applying Maybank BT. However, Maybank transfered the amount to the UOB card number which I entered wrongly and which is not under my name.

Maybank then pushed the responsibilities to me because I entered the wrong card number.

Can anyone advice me on any solution?

Thank you and much appreciated for the help.
*
interesting. i tot BT only can for our own credit card.
maybe next time we can try BT to other card that not belong to us? blush.gif

MiKE7LIM
post Dec 16 2018, 01:41 PM

Enthusiast
*****
Junior Member
769 posts

Joined: Jul 2008
From: PJ~Damansara Utama


QUOTE(fruitie @ Dec 12 2018, 09:04 PM)
Not HLB. Just wanna clear multiple cards' outstanding because paying off PTPTN.
*
you mean clear PTPTN outstanding via multiple card?

I'm looking in this thread to pay off my debt in 12 months also blush.gif


have below CC
Aeon- 6-12m interest free
PBB - not sure
Citi - checking....


2 Pages  1 2 >Top
 

Change to:
| Lo-Fi Version
0.0308sec    0.16    7 queries    GZIP Disabled
Time is now: 8th December 2025 - 05:51 AM