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.

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.

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

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.

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.

It is      that someone said to bring balance transfer to whole new level but couldn't differentiate between flat rate and effective rate.

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.

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.

No one try BSN 0% BT?

i wonder if i can swipe a car, and then do at BT and then 12month 0%... lolx

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

BTW yesterday I saw the BT amount already in my CC summary and installment amount is debited in my unbilled transaction
But today disappear pula

Maybank rejected my balance transfer application. Anyone got receive any news?

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?

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..

Just received the most annoying reply from MBB after I sent in my BT application this morning. Looks like they don't even know their own promotions and terms and conditions!!! Worst still is that my email subject says 0% by application and I used the 0% bt application form on the website which clearly shows the promo start date of 15 September. Am so ultra annoyed.

Thank you for your e-mail.

Kindly be informed that we are unable to process your balance transfer under the promotion of 1% one-time upfront fee as it has ended on 31/8/16.  Hence appreciate your confirmation whether you wish to proceed with the application under the normal rate of 3%.

so my statement is out...

my 1st bt on 19 not yet showed in last statement.

normal?