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

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chiahau
post Dec 13 2016, 03:50 PM

Fatthau StalKer
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Joined: Aug 2009
From: Malaysia


Just curious since I just print out my CCRIS report.

BT does not show in the report? All I see is the outstanding limit for my CC which was under BT last time.
chiahau
post Dec 13 2016, 03:57 PM

Fatthau StalKer
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From: Malaysia


QUOTE(sms2u @ Dec 13 2016, 03:52 PM)
it will not show BT separately in CRRIS report, cos it is outstanding for CC
*
Ah damnit.

Then gonna clear it off since want to apply housing loan next month.

Clean all traces of BT until loan approved laugh.gif
chiahau
post Dec 15 2016, 11:12 AM

Fatthau StalKer
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Joined: Aug 2009
From: Malaysia


QUOTE(lilsunflower @ Dec 15 2016, 10:47 AM)
Not sure if anyone already posted this, but I just noticed that the MBB BT promotion terms and conditions have changed.

Most importantly:

1. Now only until 31 December 2016 (instead of 31 March 2017)
AND
2. No more fee quota for the waiver (i.e. as long as within promo period, waiver is auto)


New terms and conditions stated here: http://www.maybank2u.com.my/WebBank/bt140916_tnc.pdf

As there's only 2 weeks left - anyone who wants to apply should get the applications in ASAP!
*
Time to consolidate all the outstanding into this MBB CC laugh.gif

Now have to request them to raise the limit so I can BT all in.
chiahau
post Dec 15 2016, 11:26 AM

Fatthau StalKer
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From: Malaysia


QUOTE(lilsunflower @ Dec 15 2016, 11:17 AM)
Yeh - the CL increase request can be done in 1-2 days, then apply for BT quickly.

I just got my PBB BT application approved for RM15k and paid today to my MBB. So now my MBB has excess credit of about RM9k.

Will apply for MBB BT again (3rd round) up to max possible.

Then can retire from BT applications for a while and just pay off the high instalments for the next 12 months.
*
You definitely have some crazy CL and salary to do this kinda high level BTs.

Thanks anyways, I submitted the limit review on Tuesday but no answer yet. Maybe evening I will drop them a call.
chiahau
post Dec 19 2016, 12:44 PM

Fatthau StalKer
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Joined: Aug 2009
From: Malaysia


And maybank still taking their sweet to give me higher CL despite sending in relevant documents which clearly states that my income has increased to a more "appropriate" level to warrant my request.

Guess by the time they sort this out, my BT plan sudah koyak.
chiahau
post Dec 19 2016, 02:17 PM

Fatthau StalKer
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From: Malaysia


QUOTE(CalvinCLK @ Dec 19 2016, 01:17 PM)
When did you submit? I submitted one request last Thu, not sure how long it's gonna take.
*
12/12/2016

They did reply me to furnish some documents such as repayment records for housing loan/hire purchase or those but I can't provide them any since I have no housing loan/hire purchase to begin with....

Never once I made any form of late payment to my MBB card thou :/
chiahau
post Dec 19 2016, 03:37 PM

Fatthau StalKer
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From: Malaysia


QUOTE(fruitie @ Dec 19 2016, 03:23 PM)
I just submitted 3 months latest payslip to increase CL and it was approved within 3 days.
*
Yeap, done all those.

Ah well, this campaign not for me laugh.gif
chiahau
post Dec 20 2016, 11:33 AM

Fatthau StalKer
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From: Malaysia


QUOTE(sms2u @ Dec 20 2016, 11:28 AM)
cos i did applied and no new for more than 5 working days lor
*
Different officer different speed lo.

If you are high nett worth / private banking / cash & equivalents tied at their bank, it would be faster compared to the normal way to get the approval.

My manual submission still pending even after 5 days.

Maybe I'll drop a call later to see what's the hold-up.
chiahau
post Dec 20 2016, 11:44 AM

Fatthau StalKer
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From: Malaysia


QUOTE(sms2u @ Dec 20 2016, 11:36 AM)
manual? u send via normal mail or pass to branch ?
*
Pass hardcopy to branch since its 2 min away from my office, CC via email afterwards.

QUOTE(lilsunflower @ Dec 20 2016, 11:38 AM)
I did a manual submission many years ago at the 1U CC centre. It was so troublesome and they ended up losing my form / forgetting to fax it to HQ or wherever they need to fax it.

Since then, I prefer emailing everything, and if anything goes wrong, follow up via the same e-mail reference number.
*
Most probably gonna do that starting from today.
chiahau
post Dec 20 2016, 01:20 PM

Fatthau StalKer
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From: Malaysia


QUOTE(klsooo @ Dec 20 2016, 01:18 PM)
This is because many email to mbbcardservices@maybank.com has not solved.
Sometimes i wait few weeks also no feedback.

Seems like maybank is very slow in replying email.
*
PM them on FB and pass to them the email reference.

Usually the next day they will call you.
chiahau
post Jan 10 2017, 11:33 AM

Fatthau StalKer
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From: Malaysia


MBB still got BT offer?

Just checked my card and the limit was increased as pre my request already.

A little too late for me BT already right?
chiahau
post Jan 10 2017, 11:42 AM

Fatthau StalKer
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QUOTE(cybpsych @ Jan 10 2017, 11:37 AM)
ended liao
*
And thanks to inefficient staff, slow to respond to email and etc, I missed out this opportunity.

It's okay, I'll wait for the new promo.
chiahau
post Mar 7 2017, 04:38 PM

Fatthau StalKer
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From: Malaysia


Just curious, can I BT from maybank conventional CC to Maybank Islamic CC?

laugh.gif
chiahau
post Mar 21 2017, 06:13 PM

Fatthau StalKer
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From: Malaysia


QUOTE(David83 @ Mar 21 2017, 06:05 PM)
My BT from Citibank to Maybank has just approved!
*
At the same time, my BT from Citibank to maybank was rejected.

No information given thou I checked my available limit, I have that much and I am transferring just below the 90% mark lol.


chiahau
post Mar 23 2017, 02:17 PM

Fatthau StalKer
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From: Malaysia


QUOTE(nasiayam @ Mar 23 2017, 11:42 AM)
any ccris issue?

i apply for 2k oso rejected

where as my application at aeon, pbb and uob approved  doh.gif
*
QUOTE(kamal007 @ Mar 23 2017, 12:13 PM)
Anyone has any problem BTIng from M2U? Since yesterday got the error that service is unavailable
*
I think they have system glitch or something.

The officer asked me to send in the paper form for them. Will expediate process.

I applied for 1k also kena reject lol.
chiahau
post Mar 29 2017, 06:18 PM

Fatthau StalKer
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From: Malaysia


Submitted my BT request over email.

Monday send, Wednesday approved.

Good job maybank.
chiahau
post Apr 7 2017, 08:05 AM

Fatthau StalKer
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Joined: Aug 2009
From: Malaysia


QUOTE(my-logitech @ Apr 6 2017, 07:17 PM)
Service unavailable.
Sorry, your card is currently not eligible for Balance Transfer. Reject code: [0060]

I tried to applied MBB BT and got this error. Anyone encountered the similar issue before?
Thanks.
*
I faced this problem and what I did was to submit a hard copy form to Maybank and asked them to process it urgently.

Got the SMS within 3 days. Funds transferred the next.


chiahau
post Apr 9 2017, 11:34 AM

Fatthau StalKer
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From: Malaysia


QUOTE(siaowei111 @ Apr 9 2017, 11:09 AM)
not sure is this the right post to ask this question? HL currently have this personal loan promotion 0% for the first year and no penalty for early settlement.
wondering anyone here tried to ask if we settle on the month 12 for the rest of the  amount does it mean we also get free money and without any hiding cost and T&C.

https://www.hlb.com.my/main/promotion/20170...o-interest-rate
*
Already refer to product disclosure sheet.

Later they say can't terminate within first year, end up have to pay interest also.

Banks are sneaky nowadays
chiahau
post Apr 9 2017, 06:53 PM

Fatthau StalKer
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From: Malaysia


QUOTE(siaowei111 @ Apr 9 2017, 05:01 PM)
sent in my application today. will ask the CS.
probably they allow termination on month 12 and probably the bank lure people to apply but end up they don have the capability to repay on month 12 (i mean for those people who plan to get free money and repay on month 12), end up paying interest.
*
Pls drop us an update if really can terminate by 12month.

I'll just dump it into a cycle of FD lol

I re-looked the PDS for the HLB.

You have to pay 6 months worth of interest upfront dulu then they will start to cashback it from the 7th month onwards.

Don't look so tempting after all.

This post has been edited by chiahau: Apr 9 2017, 10:13 PM
chiahau
post Apr 10 2017, 04:22 PM

Fatthau StalKer
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Joined: Aug 2009
From: Malaysia


QUOTE(Ricky300 @ Apr 10 2017, 04:15 PM)
need bank statement ar if apply MBB?
*
Apply online no need.

Email maybe if you want, just enclose the statement lor.

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