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

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schoe
post Jun 18 2024, 01:56 PM

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QUOTE
Dear XXX,

Thank you for your interest in applying for Maybank Balance Transfer Programme.

We have reviewed your application, regrettably your application is unsuccessful.

Thank you.
i cant imagine maybank will reject my application ??? called maybank and was told system declined, she has not idea, just adviced me to try via mae app.
schoe
post Jun 18 2024, 02:15 PM

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QUOTE(fruitie @ Jun 18 2024, 02:05 PM)
If you submit more than one application in a day, this could happen or simply a system issue, just request again.
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i submitted the first one using amex, unsuccessful. then few hours later i submit again using master, unsuccessful again. lolz..


schoe
post Jun 18 2024, 03:16 PM

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QUOTE(fruitie @ Jun 18 2024, 02:45 PM)
Maybe it captures as two applications. Try again today (if you haven't tried) or tomorrow?
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nolah. i did the first, rejected then only did the second (both on same day). and the second one being rejected in the following day.


its okay. i did one just now after called the CS, who adviced me to perform via MAE.. see how loh..
schoe
post Jun 18 2024, 04:31 PM

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QUOTE(schoe @ Jun 18 2024, 03:16 PM)
nolah. i did the first, rejected then only did the second (both on same day). and the second one being rejected in the following day.
its okay. i did one just now after called the CS, who adviced me to perform via MAE.. see how loh..
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still unsuccessful.. never mind lah. just used Hong Leong bank to do 6 months balance transfer.. success liao immediately

next month maybe use maybank to transfer to hlb for 12 months

This post has been edited by schoe: Jun 18 2024, 04:31 PM
schoe
post Jun 18 2024, 04:54 PM

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QUOTE(fruitie @ Jun 18 2024, 04:46 PM)
Do you have sufficient limit?
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ya. it only could be proceed to submit when sufficient limit.
schoe
post Dec 5 2024, 12:13 AM

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QUOTE(Optizorb @ Dec 4 2024, 07:08 PM)
BT to PBB, then take PBB 0% easy cash?  brows.gif
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sorry what does it mean BT to PBB, then take PBB 0% easy cash?

HLB balance transfer to PBB , means that PBB available balance has been reduced. still worth to take easy cash ?

i am wondering what i can do with my HLB balance as i have both HLB and PBB.
schoe
post Dec 5 2024, 09:31 AM

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QUOTE(Optizorb @ Dec 5 2024, 12:15 AM)
if you BT to PBB, then your PBB limit will increase.. why would it reduced..
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i see. i thought hlb BT to PBB is hong leong bank owed amount balance transfer to PBB. so PBB reduce.. now i know that BT to PBB is hong leong bank help to pay for PBB owed amount. so PBB either back to 100% available balance or higher than 100% available balance

I think too much.

thanks
schoe
post Dec 5 2024, 09:32 AM

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QUOTE(1mr3tard3d @ Dec 5 2024, 01:40 AM)
lol.gif yeah, it wouldn't make sense if you took it literally (balance transfer to PBB = PBB balance transfer = your understanding)
but he was referring to the cash flow
so in your words would be --> BT from PBB to HLB --> increase PBB available credit --> increase Easy Cash
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so now i HLB BT to PBB, so that HLB repayment 5% per month

while in PBB i can cash out the HLB money. its a great idea. thanks u guys
schoe
post Dec 5 2024, 10:56 AM

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wish to clarify on this:

1. my hlb cc has two account number :
1st acc : credit card 16 digit number
2nd acc : balance transfer 16 digit number

2. i wish to use UOB to BT to HLB to settle the 2nd acc (balance transfer 16 digit number outstanding balance)

3. should i type in 1st acc or 2nd acc 16 digit number in UOB website?
schoe
post Dec 5 2024, 11:28 AM

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QUOTE(xiaomoon @ Dec 5 2024, 11:09 AM)
type your cc number, after that ask cs transfer to your bl account
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alright. thanks
schoe
post Dec 7 2024, 02:25 AM

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QUOTE(Human Nature @ Dec 6 2024, 02:04 PM)
PBB easycard is up 80% of approved CL. So this will work best if you already have large outstanding amount with PBB. The BT amount from HLB will reduce this outstanding and restore your PBB CL.
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even if PBB no outstanding, we could just apply easy cash 80%. then let the HLB fill the hole. and paid 5% monthly in HLB.

schoe
post Dec 20 2024, 06:19 PM

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sorry to ask this question. i had just submitted BT14 via UOB website. didnt receive any notifications or emails, may i know how long it would take that i receive any update of the application ?
schoe
post Jun 26 2025, 12:57 PM

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Wanna ask:

I have done balance transfer way back in December. So UOB generated a new BT account number for me, i paid outstanding monthly from other bank by key in this BT account numberz

Now i wanna use HLB BT to settle this UOB balance. When i apply in HLB, can i key in the UOb BT acc number? Or only to UOb credit card number then call UOb to transfer?

Please advise
schoe
post Jun 26 2025, 01:29 PM

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QUOTE(fruitie @ Jun 26 2025, 01:24 PM)
I think UOB BT is a normal credit card no., so you can try to BT directly from HLB. Unlike HLB starts with "8" which is uncommon for a credit card no.
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My UOb cc start with 5522
And the balance transfer account start with 5436

Macam not same woh
schoe
post Jun 26 2025, 01:56 PM

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QUOTE(fruitie @ Jun 26 2025, 01:31 PM)
"5" is a common credit card no. for MasterCard.
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I see. So i can just direct type in the BT account number in HLb portal. I guess
schoe
post Jun 26 2025, 07:25 PM

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QUOTE(Optizorb @ Jun 26 2025, 02:43 PM)
HLB BT still 16 digit acc no which works same as CC account.

I have used BT to pay off HLB BT before..
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For me i couldnt. BT to HLB only can use the hlb cc number. Then have to call hlb to transfer the fund from cc to BT acc
schoe
post Jun 27 2025, 03:20 AM

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can i apply the HLB BT to transfer the money to my public bank saving account?
schoe
post Jul 1 2025, 10:18 PM

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so when repayment to BT account.

pay 5% only for the overall BT amount is only applicable to UOB and HLB sahaja? got any other bank also having this same 5% ?

This post has been edited by schoe: Jul 1 2025, 10:20 PM
schoe
post Jul 7 2025, 12:26 AM

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QUOTE(Optizorb @ Jul 4 2025, 08:21 AM)
you will see the min payment amount of 5%.. thats what u need to pay for the first 5 payments.. the 6th and final payment clear everything by the expiry/due date, which is stated on the CC statement
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apart of HLB and UOB, any other bank also practice min payment amount of 5%?
schoe
post Jul 7 2025, 12:44 AM

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QUOTE(lovelyuser @ Jul 4 2025, 03:07 PM)
Can anyone share code for UOB 0% BT? TIA
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got 0%?

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