Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Balance Transfer (BT) Plans V4 - Banks Offer List, Credit card debt consolidation
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 Nov 23 2016, 08:36 PM
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#1
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1,008 posts Joined: Aug 2008  
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[quote=giftfre,Nov 23 2016, 06:17 PM]
[ » Click to show Spoiler - click again to hide... « Hi. I wonder if BT amount is more than statement amount can be approved or not? Let said if my statement amount is 5399 and I request for BT amount 5400. Anyone here tried before?  [/quote] Iirc for aeon credit, if got cents, they can "ceiling" up the value to the next ringgit value. Not sure about those value u mentioned. |
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Nov 28 2016, 03:46 PM
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#2
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1,008 posts Joined: Aug 2008
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QUOTE(lilsunflower @ Nov 28 2016, 02:48 PM) OK. Let me try to explain. Wow, this sure sound very good deal.. anyone used to do this through m2u? Meaning maybank will pay to other bank, so need to contact that bank to withdraw the negative amount right?More Advanced BT Arrangements Some banks (e.g. PBB, and Maybank via M2u) allow you to apply for a BT without a statement. In the example above, let's say I have a Bank A credit card with ZERO outstanding balance. However, I apply for a RM24,000 BT with Bank B: - Bank B will send RM24,000 to Bank A. Bank A will have a positive (credit) balance of RM24,000. - Some banks will allow you to "withdraw" the excess credit of RM24,000 to your current account. Note that some banks do this easily (particularly for amounts below RM10k), whereas some have very strict policies. You can read previous posts for people's experiences with various banks. - In effect, you now have RM24,000 interest-free CASH, payable in monthly instalments. You can invest this money, or park it in an FD to earn interest. FREE financing! |
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Nov 29 2016, 09:34 AM
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#3
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1,008 posts Joined: Aug 2008
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Besides PB, which bank also allow do BT without statement? Is Maybank, Aeon, do too?
I think last time aeon BT nees attach statement, is it still the same now.. |
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Nov 29 2016, 02:42 PM
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#4
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QUOTE(lilsunflower @ Nov 29 2016, 10:46 AM) AEON - Need statement Ok tq sis... so now need to get pb cc for this thing..MBB - No need if applying using M2u |
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Dec 15 2016, 02:02 PM
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#5
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1,008 posts Joined: Aug 2008
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QUOTE(fruitie @ Dec 15 2016, 11:32 AM) Can Maybank accept screenshot that shows outstanding amount from AEON? I just swiped something yesterday which will only be shown in next statement. I thought earlier mentioned maybank BT no need doc of outstanding amount to apply, through m2u? Planning to just do BT of 1k (min amount allowed) whereas my outstanding amount is less than that.. is it ok?I plan to use email to get immediate waiver. |
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Dec 15 2016, 02:21 PM
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#6
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Owh noted then.
QUOTE(lilsunflower @ Dec 15 2016, 02:06 PM) 1. No need document if through M2U, but you will see the BT fee + GST (which will be waived within 30 days). nice tip there. 2. Fruitie is applying VIA EMAIL, which requires documents, so that she won't see the BT fee + GST. All down to personal preference which route you prefer. On a random note, I personally like applying for BT in multiples of 12 (e.g. RM1,200, so each instalment is RM100). Otherwise your instalments for RM1,000 BT is really weird like RM83.33. But again, personal preference. Another thing, after do that kind of BT, eventually it will be like prepaid card right, paying maybank monthly even though didnt use much.. have no required CASA yet to transfer the amount. |
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Dec 20 2016, 07:43 PM
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#7
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1,008 posts Joined: Aug 2008
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Guys, from what i i knew this maybank bt promotion able to do multiple balance transfer right? How to do that actually?
Is it like doing multiple bt (few times) to maybank from the same card? |
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Dec 20 2016, 10:50 PM
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#8
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1,008 posts Joined: Aug 2008
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QUOTE(lilsunflower @ Dec 20 2016, 08:05 PM) Multiple BT simply means you can apply several times, as long as sufficient credit limit. Doesn't matter if same card, or various cards. Noted there.. can do that for a single card?For example, I applied for first round in September (for 3 cards), and rounds 2-5 in October to December (again, for various cards). Example today Bt card A rm5k, then few days later BT that same card another 5k... is that allowed? |
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Dec 21 2016, 11:42 PM
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#9
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QUOTE(lilsunflower @ Dec 21 2016, 12:51 AM) Yes - no restriction stated in TNC. Given that there are not many days left, you may as well just apply. Ok then tq 👍... just realise my MB credit limit is not really much.. cannot apply for increase via m2u? As i couldnt find the option to do it.. so use customer service can?But of course, subject to bank approval. And can we do bt for Aeon card through m2u? No bank option in the list right.. QUOTE(fruitie @ Dec 21 2016, 03:43 PM) BT to 3 banks, 2 banks already showing 0 outstanding but my corporate card - Citibank is yet to be reflected and due date is tomorrow. iirc once customer service told me that actually bank give few days after due date for us to settle the outstanding amount, before charging the late payment.. Will check it out again tomorrow...  |
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Dec 28 2016, 08:48 PM
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#10
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1,008 posts Joined: Aug 2008
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Guys, anyone have done BT from aeon credit?
Do they allow transferring the excess credit to our CASA? |
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Dec 31 2016, 02:04 AM
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#11
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1,008 posts Joined: Aug 2008
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The maybank BT promo, perios until 31st dec, is it for application or approval...
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Dec 31 2016, 04:26 PM
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#12
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1,008 posts Joined: Aug 2008
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QUOTE(torres09 @ Dec 31 2016, 07:59 AM) offered by Ambank to new CC customers. min 4k max 30k. applied for fun for sum close to max... mana tau is approved. 😂 so i suggest any new Ambank card members to apply if offered this promo. even put in FD also untung 😁 QUOTE(sj0217 @ Dec 31 2016, 08:16 AM) Nice offer there, have free gift some more..Is there any certain bank that dont allow tranferring excess credit card amount to CASA? thinking of applying this ambank for the sake of doing max 0% BT, as maybank BT promo is ending. Any sifu can advise about this? |
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Jan 7 2017, 02:50 PM
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#13
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1,008 posts Joined: Aug 2008
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Finally get my remaining excess balance from Citi CC yeay!!!
Thanks guys for the tips and info here, very useful 👍 Their CS very good, straight ask whether want to transfer it to own CASA.. QUOTE(mitodna @ Jan 5 2017, 08:51 AM) try apply Public Bank, don't apply BT to the card that has condition of annual fee waiver, 2 years 5% one time charges Mind to enlighten about this, is it just same like normal CC way of charging or different? Any other transaction will straight charge interest before due date?https://www.pbebank.com/Personal-Banking/Pr...ansfer-XVI.aspx HSBC always said annual fee waiver is very easy  also after apply HSBC BT, do not use your card, it will has retail interest if any further transaction |
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Jan 7 2017, 08:37 PM
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#14
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QUOTE(fense @ Jan 7 2017, 03:12 PM) me too, mine even having delayed of transfer, untill I call CS more than 10 times, and I demand Manager to pick up, money received within 24 hrs after tallk to manager.... How long was the delay. Mine was informed will take 1-3 days, and get after 3rd days.. |
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Jan 8 2017, 02:43 PM
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#15
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Yes 3 days, but need to follow up, afraid they might overlook it.. other bank much faster or same?
For amount more than 2k, they require proof of payment . |
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Jan 9 2017, 10:31 PM
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#16
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QUOTE(adele123 @ Jan 9 2017, 03:36 PM) aiya, okay, i will need to show proof of payment. Any charges? No charges 😁Mine is almost 3 weeks... belum dapat lagi... applied and approved on 20th dec |
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Jan 12 2017, 02:03 AM
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#17
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QUOTE(pvateme @ Jan 11 2017, 09:53 AM) i just called to ask transferring the overpayment from mbb card to my current account. the CS asked me for a reason and they need to do investigation on it. will only get the status after 8 days. why need investigation ? Current account also mbb? Wow, so leceh la the CS. What did u answer them about the reason? Why don't just say overpaid then. |
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Jan 14 2017, 12:08 AM
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#18
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Got my waiver too 😊.. is that mean all our maybank cards have the same statement date, every 12th? 😅
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Jan 14 2017, 01:46 AM
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#19
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QUOTE(eastwest @ Jan 14 2017, 12:39 AM) No:p Ok then. I guess they just do all the refund before the 1st statement date..😊 |
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Jan 26 2017, 03:22 AM
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#20
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» Click to show Spoiler - click again to hide... « Or perhaps u can add next action in #3, BT back to Aeon 0% (6 month) for first installment of uob and pbvs bt 😁 |
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