Welcome Guest ( Log In | Register )

60 Pages  1 2 3 > » Bottom

Outline · [ Standard ] · Linear+

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

views
     
fruitie
post Oct 12 2016, 08:21 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

Any bank offers good BT rate with easy approval? I wanna settle some PTPTN outstanding tomorrow, let's say around 10k and would like to extend to 12 months or 24 months. tongue.gif

I know AEON still has 0% but 6 months will be too heavy for me to pay around 1.6k every month.

Cards that I have now are from Maybank, UOB, AEON, AmBank, HLB (MACH as I plan to cancel my Wise soon), CIMB, OCBC.

Appreciate your feedback. I checked first post, not sure if it is updated? unsure.gif
fruitie
post Oct 12 2016, 08:45 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(MGM @ Oct 12 2016, 08:25 PM)
QUOTE(mitodna @ Oct 12 2016, 08:33 PM)
Maybank 0%, apply thru e-mail, no 3% fee, apply thru m2u, got 3% and get of 3%. Will be waived within 30 days
*
QUOTE(bearbear @ Oct 12 2016, 08:36 PM)
apply thru email, no trace of 3%
*
Cool. Thanks guys! notworthy.gif
Is the process fast? laugh.gif

Any suggested card to use to swipe first then only I BT to Maybank? tongue.gif
Also how many times I can BT to Maybank? Only once until I clear?

This post has been edited by fruitie: Oct 12 2016, 09:00 PM
fruitie
post Oct 12 2016, 09:22 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(mitodna @ Oct 12 2016, 09:06 PM)
Maybank Very fast, I did thru m2u, didn't ask for statement, first email will be approved in principle, second email will be saying approved

Third is the SMS when Maybank do the GIRO

Note: if your maybank2u has pending new activation footer, it will not consider your card available for online BT application

Any card you like, maybe the card that nearer to statement date

Edit:
Seems like unlimited times BT until promotion end, but each time total amount > 1000, can be combined amount

Eg. Bank A RM700, Bank B RM300
*
My mum in hometown has received all my replacement cards but I'm not going back hometown soon and I'll be travelling to overseas next week.
So, I hope still got time since I plan to pay via AEON cards and should be processed in following month's statement. hmm.gif

QUOTE(cybpsych @ Oct 12 2016, 09:12 PM)
seems fast. above is my 2nd application under the promo. still waiting for the fund to appear in hlb mach+wise. probably tomorrow would see.

for your outstanding ptptn, good that you pay it off and take advantage of 12mth bt promo. spare your life from ptptn/ccris nightmare  laugh.gif
*
Got it. Thanks! Will need to do some calculation. laugh.gif
fruitie
post Oct 13 2016, 01:58 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

Paid RM 6k to PTPTN and it will be only posted by mid of next month, then I will apply BT to Maybank. Really gotta try to take advantage over this BT promo to try clearing as much debt as I can. laugh.gif
fruitie
post Oct 13 2016, 02:55 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(gastacopz @ Oct 13 2016, 02:35 PM)
maybank can just apply now for bt with 6k... normally they just approve
*
I will apply via email to waive 3%.
fruitie
post Oct 13 2016, 03:54 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(bearbear @ Oct 13 2016, 03:14 PM)
i am amazed Malaysian have not finish up the quota biggrin.gif
*
What quota? unsure.gif
fruitie
post Oct 13 2016, 04:08 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(gastacopz @ Oct 13 2016, 03:57 PM)
3.6m quota..after that got 3% as normal
*
I see but I can't apply it anytime sooner because statement for AEON will be only out after 10th Nov.. sweat.gif
Can apply without statement or unbilled transactions?
fruitie
post Oct 13 2016, 05:09 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(zr125 @ Oct 13 2016, 05:08 PM)
email need statement. but i think they can accept screenshot of unbilled/outstanding amount..
*
Alright, I will try soon. Thanks. biggrin.gif
fruitie
post Oct 13 2016, 11:04 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(bearbear @ Oct 13 2016, 07:29 PM)
i did shared that they asked me for statement, i question them on why there is a double standard.

Then my BT was approved tongue.gif
*
So statement is not needed ya? biggrin.gif
fruitie
post Oct 13 2016, 11:11 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(bearbear @ Oct 13 2016, 11:05 PM)
you need to argue and may take 2-3 days cause they will keep asking for it biggrin.gif

I have no choice because i am oversea and not sure if they have send the new card to me thus apply through online is not possible until i activate my new cards.

btw aeon is fast

applied on Monday
verify & approve on Tuesday
payment rcv on Wednesday

blink.gif
*
OK got it. I may not argue with them and try to get a proper statement first.

AEON is just 6 months, too little for me. laugh.gif
fruitie
post Oct 13 2016, 11:48 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(lilsunflower @ Oct 13 2016, 11:37 PM)
Yeh instalments for 6 months BT still very high. 12 months gives much more breathing room. Plus, good to utilise the MBB 0% since its limited period only and you have your new higher CL now.
*
Yes, that's right but I also need to calculate monthly commitment. Too busy paying debt and no more savings later. bangwall.gif
fruitie
post Oct 15 2016, 09:07 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(lilsunflower @ Oct 14 2016, 11:09 PM)
Last month I didn't have a HLB bank account but had a large credit from BT excess payment.

I called CS to transfer it to my MBB CASA. Was done easily via phone,  no charges and took less than a week.
*
QUOTE(excaliburcombo @ Oct 15 2016, 09:04 PM)
Have anyone got experience transfer excess fund from HLB CC to other bank CASA. ( i got no HLB CASA)
*
lilsunflower posted the above in HLB Wise thread today.
fruitie
post Oct 17 2016, 01:40 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(MGM @ Oct 17 2016, 01:22 PM)
Use a card that u will keep until u finish paying up d BT,especially one with no AF.
*
Good idea. I nearly forgot about this and wanted to use my VS because that's the card I have and activated.
The rest are still Pending for Activation status but mum said cards already arrived in hometown, however I will be travelling for these two weeks and be back to hometown only in early November. sweat.gif

Hopefully still in time for free 3% waiver. sad.gif
fruitie
post Oct 17 2016, 01:52 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(gastacopz @ Oct 17 2016, 01:46 PM)
just submit now...6k only wat. .sure approved b4 u travel
*
My new cards are not activated la... My VS will be cancelled after one year.

This post has been edited by fruitie: Oct 17 2016, 01:52 PM
fruitie
post Oct 17 2016, 02:20 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(aromachong @ Oct 17 2016, 02:09 PM)
just to make sure if we get cards approved.. and want to change card afterwards.. need cooling time or anytime can switch or upgrade/downgrade card?
*
Not sure, downgrade probably anytime but upgrade will need to submit documents.
fruitie
post Oct 20 2016, 03:10 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(ronnie @ Oct 20 2016, 03:00 PM)
For the MBB 0% 12-month BT promotion, would the 3% waiver still valid currently ?
*
I supposed yes. I think the latest reported case was just 2-3 days ago.
fruitie
post Oct 20 2016, 03:16 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(ronnie @ Oct 20 2016, 03:14 PM)
Let's hope still available... I just submitted via email without CC Statement attached as I want to BT more than Statement amount brows.gif
*
Yeah, report here after that. biggrin.gif
You guys sent to which email address ya? I'm preparing myself for BT too. biggrin.gif
fruitie
post Oct 20 2016, 09:34 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(cybpsych @ Oct 20 2016, 08:45 PM)
it's stated on the bt form.

mbbcardservices@maybank.com.my
*
Oh, this email address. I haven't downloaded the form yet. blush.gif
Thanks for the information. biggrin.gif
fruitie
post Oct 20 2016, 10:46 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(db07mufan @ Oct 20 2016, 09:40 PM)
I tried submitting for BT CIMB to MBB but got rejected don't know why.
*
Any MBB cards pending for activation?
fruitie
post Oct 21 2016, 10:40 PM

Rise and Shine
Group Icon
Staff
72,808 posts

Joined: Sep 2005
From: KUL

QUOTE(snowswc @ Oct 21 2016, 09:57 PM)
may i know the Aeon BT application form can send via email or must fax/submit to branch?
*
Yes, email is accepted.

60 Pages  1 2 3 > » Top
 

Change to:
| Lo-Fi Version
0.0323sec    0.34    7 queries    GZIP Disabled
Time is now: 7th December 2025 - 07:25 PM