Just learned BT to enjoy the 0% interest for 12months .

Some back ground info ,
have a few CC, but clear every month , no left over .
Want to enjoy the 0% interest , while getting some $ from FD/ASNB .

some questions :
1. Apply BT at Bank A to Bank B , How to get the BT $$$ out from Bank B ?
*Usually , excess cash in credit card won;t be allow to withdraw.

2.Any good strategy to maximize the BT amount ?
3. Is it possible to get BT to RM100K ?

Thank you so much

snowswc,

Could you explain step by step how u manage to do BT RM200K ?
Im really interested to learn from you .

Thank you so much .

*As an engineer, like to ask details step by step.

Forgot to ask ,

since doing big $$$ BT ,
those credit cards must not use for spending ,
since cashback/rebate from those card is small compare to BT return ,

is my understanding correct ? Thank you

how do the credit card determine the MAX credit limit ?
salary ? If yes, what;s the fomulae ?

eg RM10K salary, whats the max limit can get ?

and, for the example of RM1M , how does the expert get it ?

thank you so much !

want to ask, if i have a MBB cc , do a BT .

and later ,applied another MBB cc ,
can i do new BT with the new card ?

Bank treat each cc BT as individual ?
OR combine all as ONE ? Thank you

and , where to get the LATEST info for bank credit card BT offer ?
or cash rebate offer ?

*cash rebate = When sign up new card, spend X amount , get RMX rebate

Thank you

Since MBB combine all BT as ONE,


there';s no point getting several credit cards from same bank?

another questions ,

Current MBB already do BT , eg RM50K from other banks ....

can i do PBB BT to MBB , lets say RM20K ....
the 20K will offset the 50k BT ?
OR
i can withdraw 20k to CASA ?

APPLY 22Aug, MBB BT
Get the $$$ today morning 25Aug
Mastercard - Ikhwan Platinum (20k limit)

Questions ,
BT = RM18k ,
Installment - RM1500

Payment due date = 7Sep 2017
Statement date = 18Aug 2017

Last payment amount = 0
Min payment amount = 0
Outstanding balance = rm572.40 (Pay any amount now)
Statement balance = 0


Questions :
1. when should i make the 1st payment rm1500 ?
2. Why/How is the RM572.40 APPEAR ?
3. I have write into SCB for refund the excess RM18K , guesss, take 3 working days ? (cannot do over the phone , customer service advise)
3. Advice ? Thank you so much

PROS & CONS of BT

PROS:
1. Get extra free cash flow for FD/House loan/ASNB/investment return

CONS:
1.BAD CCRIS
2. If accident happen ,and no one help to manage to BT installments. This could end up in disaster .
3. Lots micro management + calling/emailling bank customer service
4. Get lots of cold call from banks/insurance etc etc

ANyone got answer for below questions ?
Thank you so much


APPLY 22Aug, MBB BT
Get the $$$ today morning 25Aug
Mastercard - Ikhwan Platinum (20k limit)

Questions ,
BT = RM18k ,
Installment - RM1500

Payment due date = 7Sep 2017
Statement date = 18Aug 2017

Last payment amount = 0
Min payment amount = 0
Outstanding balance = rm572.40 (Pay any amount now)
Statement balance = 0


Questions :
1. when should i make the 1st payment rm1500 ?
2. Why/How is the RM572.40 APPEAR ?
3. I have write into SCB for refund the excess RM18K , guesss, take 3 working days ? (cannot do over the phone , customer service advise)
3. Advice ? Thank you so much

another questions , Please help me to understand so that can plan accordingly.



Current MBB already do BT , eg RM50K from other banks ....

can i do PBB BT to MBB , lets say RM20K ....
the 20K will offset the 50k BT ?
OR
i can withdraw 20k to CASA ?

another questions,
Just in case the BT from maybank to SCB ,
and SCB doesnt allow the excess $ in cc to CASA ,

our option are below:
1. cut the card, and the excess go to SCB-CASA
2. SCB repatriate the exesss fund in cc back to MBB.
*In this case, can we ask MBB to withdraw the excess $ in credit card to CASA ?

Thanks

Did MBB BT to SCB

write to SCB last friday to tranfer to CASA,
called this morning, was told , this is NOT POSISBLE ,and can only sent back to source

and need prove that this is from MBB .

would CUT SCB cc promtly .

Since i;m doing BT with applying new CC ,

this is what i'm planning to get cards, please advise
1, Maybank Ilkwan -- 5% Petrol/Grocery on Fri/Sat == cap at RM50
2. PBB, VISA SIGNATURE - 6% Grocery/Dining/Online purchase = cap at rm50

*currently still missing utilies bill (TNB/TIME broadband) rebate .
Any good card for that ?
And petrol rebate for other cards, since Maybank can pump on Fri/Sat .... ???
Thanks

Want to ask,

1. Using Public bank credit card, is it possible to pay TNB bill online ? How ?
2. Want to apply PBB BT 0%, how to do ? similar like M2U, do online? How ? Thank you

Thanks for the FAST reply,

Since i get RM30K CL IN PBB cards,

what;s the MAX i can apply BT ? Thank you so much

Thank you so much for the SWIFT REPLY.

Currently i have MBB BT-0%,
and now applying PBB BT-0% .

any suggestion which next BT should i consider to get ?
*Using the BT to put in FD/house loan/ASNB

SO 90% approved ?

I just apply HLB Essential ,

how do u guys get the BT 0% for HLB ?
Advise needed

And , for HLB WISE ,
if i pay TNB online (uobpayonline) , does that entitled 10% rebate ?

For HLB BT, max = 90% CL ? Thank you