Credit Cards Balance Transfer (BT) Plans V4 - Banks Offer List, Credit card debt consolidation
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 Jun 8 2016, 10:29 AM
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#1
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Senior Member
1,243 posts Joined: Sep 2005 
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Hmm....so if to get the 1% entitlement, have to apply from 20 June - 30 June....not sure why they designed it in such way...probably to spike up their unsecured loan take up rate every month?
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Aug 1 2016, 10:36 PM
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#2
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Senior Member
1,243 posts Joined: Sep 2005
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Has anyone gotten the 2% rebate for Maybank's BT promo 1%?
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Aug 9 2016, 01:24 PM
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#3
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Senior Member
1,243 posts Joined: Sep 2005
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Mine too, finally!
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Sep 20 2016, 02:39 PM
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#4
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Senior Member
1,243 posts Joined: Sep 2005
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QUOTE(zaFrOoNaLdO @ Sep 20 2016, 11:07 AM) hello, i think ur card is CIMB Islamic card? if yes, then correct. CTBBMYKL is the swift code for CIMB Islamic Bank. Didn't know this.....thanks for sharing!For CIMB Bank, its CIBBMYKL. CTBBMYKL - stands for its old CIMB islamic name, i.e. Commerce Tijari Bank  |
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Dec 27 2016, 09:32 AM
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#5
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Senior Member
1,243 posts Joined: Sep 2005
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QUOTE(bee993 @ Dec 26 2016, 09:08 PM) Oic...thx... In CCRIS, you will see the outstanding (all 85%), updated every month. Even though it's a 12-month BT with 0%, other banks wouldn't know. Standard rule applies:3rd n final bt of this campaign for me...85% CL used up hehe..wonder will affect my hire purchase loan application or not. E.g if your total BT amount is 20K, banks will take 5% of the outstanding CC amount, in this case 5% x 20,000 = RM1,000. That's RM1,000 commitment every month deducted from your net income. So yeah, it will affect any loan applications (bank related). This post has been edited by blahbleh: Dec 27 2016, 09:32 AM |
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Dec 27 2016, 12:10 PM
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#6
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Senior Member
1,243 posts Joined: Sep 2005
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QUOTE(bee993 @ Dec 27 2016, 10:25 AM) Wah...like that jialat lo... For better understanding, it's helpful if you print your CCRIS statement first before apply any loans. Bankers should be able to advise whether you're eligible or not. Eventually, they will also check your CCRIS.Aeon + mbb bt nearly 4k per month 😓 Think can kiss goodbye till i finish paid off?? |
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Dec 27 2016, 03:30 PM
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#7
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Senior Member
1,243 posts Joined: Sep 2005
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QUOTE(lilsunflower @ Dec 27 2016, 12:40 PM) That's really good advice and what I did when applying for housing loan. I was concerned with number of cards held and my numerous BT, but that's not necessarily a deal breaker depending on what the banks are looking for, as well as the amount of loan compared to the individuals credit worthiness. In my case, it was OK despite the crazy number of entries. I guess your monthly commitments vs your net income has not exceeded bank's commitment amount. Bankers know this pretty well before they proceed with the application.Just a friendly reminder to all here that BT, even though it's 0%, affects your monthly commitment, thus it affects your loan application (personal loan, hire purchase financing, housing loan, etc). Make sure you guys check before apply yah  |
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Dec 27 2016, 05:16 PM
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#8
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Senior Member
1,243 posts Joined: Sep 2005
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QUOTE(lilsunflower @ Dec 27 2016, 04:55 PM) Yeh - when I showed my CCRIS, they panicked a bit at first because got A LOT of entries there, but they did some calculation (think monthly available income after commitments?) and said OK. I had terminated some cards this year, going to print my CCRIS on January and chase banks to remove the entries from CCRIS. You're right, one of them is RHB.Also another tip. From my experience, there were some "dormant" entries there, for cards that had been cancelled or stuff I hadn't even applied for (one stupid RHB agent submitted a CC application with my housing loan ENQUIRY without my consent - I don't even know how she managed to submit a signed form). Better to clean up your CCRIS and remove entries that you don't recognise before applying. Makes things look worse than they are. |
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Jan 13 2017, 10:12 AM
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#9
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Senior Member
1,243 posts Joined: Sep 2005
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Mine waived today too yay
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Feb 20 2017, 09:26 AM
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#10
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Senior Member
1,243 posts Joined: Sep 2005
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Hello!
Applying AEON BT again, last applied was last year hehe.. Would like to check whether the email is still customer.service@aeonmalaysia.com.my ? I had sent it last night but haven't gotten the confirmation email (AUTO-REPLY)...wondering whether they're still using that email address after revamping their website... Thanks! -------------- Edited, saw it in website customer.service@aeonmalaysia.com.my, still the same. This post has been edited by blahbleh: Feb 20 2017, 10:32 AM |
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Feb 20 2017, 10:54 AM
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#11
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Senior Member
1,243 posts Joined: Sep 2005
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QUOTE(nasiayam @ Feb 20 2017, 10:38 AM) i called them and they ask to send to these 2: Thanks! Resend with cs@aeonmalaysia.com.my in the loop!customer.service@aeonmalaysia.com.my, cs@aeonmalaysia.com.my after email, i called them to confirm they've received it |
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Feb 26 2017, 01:32 AM
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#12
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Senior Member
1,243 posts Joined: Sep 2005
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Anybody applied AEON BT recently? Mine sent since Monday and no reply at all. Called them and was told it's still under processing....sigh.
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Apr 17 2017, 07:21 PM
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#13
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Senior Member
1,243 posts Joined: Sep 2005
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Too efficient. Applied on Sunday and got my money today (Monday)...
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Sep 7 2021, 10:57 AM
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#14
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Senior Member
1,243 posts Joined: Sep 2005
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QUOTE(bee993 @ Sep 7 2021, 10:42 AM)  1st sign. Might be good or bad news. My last application on Jun received email few days later telling me 0% have end and ask to submit using portal. This time at least it show the standard reply during 0% era. |
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Sep 7 2021, 04:11 PM
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#15
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Senior Member
1,243 posts Joined: Sep 2005
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Managed to get through AEON CS. Yes, 0% for 6 months, no statement required, just need to give cc number to be transferred to.
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Sep 7 2021, 05:20 PM
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#16
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Senior Member
1,243 posts Joined: Sep 2005
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QUOTE(MGM @ Sep 7 2021, 05:08 PM) U mean contact the CS by phone without any BT form? Which phone, 0327199999? Yes. Additionally, if you have communicated with one of their salespersons before, you can also email to them directly, they'll give you a callback. Can korek korek old email. LemonJane liked this post
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Jul 27 2023, 12:34 PM
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#17
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Senior Member
1,243 posts Joined: Sep 2005
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QUOTE(contestchris @ Jul 27 2023, 11:55 AM) Which banks have 0% BT for NTB customers? IINM 5% minimum for 5 months then all in on month 6.I came across Alliance 0% BT, any idea how it works? Pay level payments, or min payment of 5%? |
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Oct 15 2023, 09:27 AM
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#18
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Senior Member
1,243 posts Joined: Sep 2005
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hi guys, for alliance (not new to bank customer), is there any 0% balance transfer program? trying my luck like maybe they have it like aeon 0% for 6 months.
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Oct 16 2023, 10:58 AM
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#19
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Senior Member
1,243 posts Joined: Sep 2005
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QUOTE(virtualgay @ Oct 16 2023, 10:54 AM) tak ada nawwww....thanks for your feedback.. |
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Dec 19 2023, 03:42 PM
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#20
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Senior Member
1,243 posts Joined: Sep 2005
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Hi guys, any limit so far on the number of MBB BT 0% 12 months that you guys have encountered? I have 3 so far, not sure the 4th one will go through or not
. Yep I know, "just try it" but would like to hear from you guys too! |
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