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

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red_scorpion
post Sep 23 2016, 05:03 PM

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just using m2u to apply bt, received approved email within 1 hrs.
red_scorpion
post Sep 23 2016, 05:35 PM

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QUOTE(MGM @ Sep 23 2016, 05:16 PM)
That was fast. Did u submit d statement balance or outstanding balance?
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no..m2u didnt require to submit anything..
red_scorpion
post Oct 25 2016, 11:06 AM

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guys, any clue the mbb 0% upfront campaign finished already or not? any body get rejection recently?
red_scorpion
post Dec 4 2016, 01:51 AM

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can la...this is called balance transfer more than outstanding balance lor..
many of them tried this, but they will transfer out to casa account after the money is credit in your bank b cc...this is to get the cash...which is better than your way--swipe the extra amount in bank b..=X
red_scorpion
post Apr 20 2017, 09:54 PM

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i also received sms of HLB 0% BT yesterday, but I do not wish to take it after looking at the complicated step to remember...haha...somemore didnt have high amount of money to BT, might as well just forget it..dont waste time
red_scorpion
post May 3 2017, 11:39 PM

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Guys, quick question.

1) For PBB balance transfer, just fill up this form (https://www.pbebank.com/pdf/Promotions/bt0217_form.aspx) and then submit to email? may I know what is the email to submit?

2) To BT to mbb amex, just fill up the card number into the box even though the box number/pattern is wrong for amex..right? sorry for noob question..think to over payment to mbb amex first then request to transfer back to mbb CASA.
red_scorpion
post May 10 2017, 01:33 AM

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QUOTE(kamikraze @ May 9 2017, 09:31 PM)
Not high, average only. I'm looking for card that got no annual fee, and if possible got cash back.
Hunting for some at moment.
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mbb 2 card and pbb quantum .
no annual fees and 5% cash back, should be enough for most of the avg user..:-)

This post has been edited by red_scorpion: May 10 2017, 01:34 AM
red_scorpion
post May 13 2017, 12:49 AM

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To ask MBB transfer the overpayment from CC to saving account, anybody try email them for this? lazy to call them..which email to send to ?
red_scorpion
post May 17 2017, 01:04 AM

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earlier this month i made a balance transfer for pbb to mbb.
then can I make another balance transfer for mbb to my pbb back?
can right? we can transfer between 2 bank credit card as long as there is limit available and they approve, right?
red_scorpion
post May 17 2017, 01:04 AM

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earlier this month i made a balance transfer for pbb to mbb.
then can I make another balance transfer for mbb to my pbb back?
can right? we can transfer between 2 bank credit card as long as there is limit available and they approve, right?
red_scorpion
post May 18 2017, 12:42 PM

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Guys, normally how long took for mbb to transfer back the overpayment to casa account? I called to request and they said might take up to 10 working days..
red_scorpion
post May 18 2017, 03:55 PM

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QUOTE(alchmiya @ May 18 2017, 02:02 PM)
It used to be 8 working days max, if you are lucky then slightly faster.
Btw, how much is the amount u request to transfer this time? Did they ask for any reason why got credit balance?
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below 10k..they didnt ask any reason, they just said ok, we will do it..
red_scorpion
post May 23 2017, 04:49 PM

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requested on 16th for overpayment credit from mbb cc to mbb casa.
money received today, took 1 weeks :-)
red_scorpion
post Jun 6 2017, 03:14 AM

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guys, this thread so quiet...nobody do any more balance transfer? :-)

I am going to do another round of "Maybank Balance Transfer 0% p.a 12 months" ..
Based on the website info, the 0% promo seems still valid..

red_scorpion
post Jun 11 2017, 04:22 PM

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QUOTE(subaiku @ Jun 11 2017, 12:13 PM)
Heheh, yes, slowly reading through but it's over 150 pages... I'm guessing overpayment is that you apply for a BT that's more than what you need. Then the extra cash some banks allow you to transfer to a savings or current account. Right?
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Yes correct..for bank which provide bt service and not require statement for supporting document, you can bt any amount as long as it is within ur credit card limit..
Then, after this bank paid to ur other bank cc, you can request that other bank to transfer the overpayment to ur casa..concept is easy, you can do as much as you can..if that bank reject ur request to transfer the overpayment to casa, you can request them to transfer back to the source of funds..

This post has been edited by red_scorpion: Jun 11 2017, 04:23 PM
red_scorpion
post Jun 12 2017, 04:39 PM

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QUOTE(quephilic @ Jun 12 2017, 04:11 PM)
Nope i dont have
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try apply a new card which provide low or 0% bt.. :-)
if application fail, your last resort is transfer 17k to your B bank..

This post has been edited by red_scorpion: Jun 12 2017, 04:39 PM
red_scorpion
post Jun 13 2017, 01:50 PM

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QUOTE(subaiku @ Jun 13 2017, 12:13 PM)
When you apply online for credit cards with all these banks. Do they submit your details into CTOS when they do their whatnot security checks?

Guess what I'm asking is if you didn't have any records in CTOS, will applying for credit cards cause you to have a record in CTOS?

Sorry, noob question. ;p
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I think they do submit to ccris and ctos..because there is an info of ur last 6 months application
red_scorpion
post Jun 17 2017, 01:05 AM

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QUOTE(pvateme @ Jun 16 2017, 05:59 PM)
i applied my BT on 6th June, got waiver on 15th June.
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wah,you guys received the waiver already..

i applied on 7th june, havent got waiver yet. hmm.gif hmm.gif
red_scorpion
post Jun 28 2017, 03:35 AM

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QUOTE(thecoffeeguy @ Jun 27 2017, 11:49 PM)
Hi guys,

My friend has about rm5k outstanding balance with MBB ikhwan. He can commit 500 per month, which is more than the minimum, but the numbers just seem the same to him 😅 So told him BT might be a good choice. Plan to settle within 12 mths. Any bank to recommend? And what would be the procedure, basically just ask the banker? Help is appreciated. Thanks
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your friend need to have another bank credit card in order to balance transfer to other bank.. find those bank which offer lowest or near to 0% fees BT, apply their card and submit the balance transfer to that bank..
the problem now is whether your friend new credit card application in that another bank will get approve or not...if too much late payment or miss payment record in ccris records, bank will reject any new cc/loan application..

This post has been edited by red_scorpion: Jun 28 2017, 03:39 AM
red_scorpion
post Sep 20 2017, 04:50 AM

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QUOTE(MiKE7LIM @ Sep 19 2017, 10:37 PM)
hi sifus...
anyone got finance charge for BT account?

last BT is 3K and monthly should be 500...

paid on time and etc...got charge RM7.++ even I paid two days before due date
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which bank charge that ? better call cs to ask them ..

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