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

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sjovie05
post Aug 6 2025, 08:16 AM

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Hi All,

Can anyone advise me on the BT from HL to Maybank 2 card ?

MBB Visa - 2600
MBB Amex - 8000

i am able to BT 2600 to MBB Visa successfully. How do i do the BT for MBB Amex? seems like its not accepting the credit card number. Do i BT to the same Visa CC another 8000?
sjovie05
post Aug 6 2025, 02:54 PM

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QUOTE(fruitie @ Aug 6 2025, 02:01 PM)
Some case references up there.
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ah okay. Thanks so much!

I was using the HL app earlier, but its not accepting AMEX card number.

I logged into their online website portal, I am able to input the 15 digit credit card number and make balance transfer successfully. no needing to add 0 at the front.

Another question i have for HL, we only have to pay 5% of outstanding each month right? But can I make more payment every month (more than the 5% minimum payment), as long as the amount is not fully settled by the last month, to avoid the early settlement fees of RM70.

sjovie05
post Sep 17 2025, 04:42 PM

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May I ask, if I can BT from UOB to maybank credit card if my maybank credit outstanding is lesser that the BT amount?

I am planning a big ticket purchase end of the month around 25k, using MBB CC. Since UOB 0% for new users until this month end only, I afraid I might miss the tight deadline.

Will it be possible for me to BT 30k from UOB to MBB CC within next week?
sjovie05
post Sep 17 2025, 04:46 PM

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QUOTE(fruitie @ Sep 17 2025, 04:44 PM)
Can BT more than the outstanding amount, it will show as an excess payment in MBB.
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Great thanks! MBB won't reject the excess payment or something right?


sjovie05
post Sep 25 2025, 09:01 PM

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Hi,

Anyone can tell me how do I BT from UOB to maybank amex gold? UOB BT is asking for 16 digit card number, and amex only have 15. What digit should I add infront?
sjovie05
post Sep 26 2025, 11:22 PM

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QUOTE(jhleo1 @ Sep 25 2025, 09:48 PM)
You not try the way you did like HLB previously as you posted before? Use search function to find if any solution.
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HLB web accepts maybank AMEX 15 digit directly. But not for UOB though. Im also using the UOB Web page to initiate the BT to amex maybank, but it requires the 16 digit card number.
sjovie05
post Oct 1 2025, 08:25 AM

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QUOTE(jhleo1 @ Sep 26 2025, 11:42 PM)
Try zero in front as some recommended here.
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Yes this works. thanks!

QUOTE(jasontoh @ Sep 29 2025, 11:41 AM)
UOB got 0% now?
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New credit card users promotion.


So I managed to BT UOB to MBB Amex 25k. However the merchant told me that only installment payment plan works for AMEX, not lump sum payment. doh.gif

I now have -20+ k in MBB AMEX. Initially i wanted to do BT to MBB AMEX for the credit card (HL CC) i used to make the purchase. But MBB doesnt allow BT if you have -negative balance in the credit card (checked with their live agent chat support). So i then used the EzyCash 6 months installment 0% promotion. Managed to receive 20k in cash in my MBB account.

Question I have is, it seems EzyCash uses the original AMEX credit limit that comes with the card, my AMEX card is still showing -22k. So i guess this amount is stucked in AMEX? But AMEX not widely accepted everywhere. I have few installment tied to MBB (AMEX and Visa) which i plan to request for early settlement to reduce the amount tied there.

Also, once i did the ezycash, somehow Balance transfer option is available now, with up to maximum of 22k. So I can either BT to HL or UOB (request for early settlement of the original BT). Not sure if I can use the excess credit I have in AMEX, to do early settlement of the EzyCash, which i plan to check with the live support agent at 9 am.

Or anyone have better idea what should I do with the funds i have? Things are getting way more complicated now. I could have just BT to UOB for the HL credit card, but wasnt told by the sales advisor that AMEX is only for installment plan at first.

 

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