Yes, this thread is amazing. Esp the 12-mth 0% BT from MBB which just ended last month. Got ~60K interest free "loan" from MBB+PBB+AEON, n invested mostly in ASNB Fixed Price funds, income earned enuf to get a 55"TV.

I refunded the excess funds (from MBB BT) from HLB CC to HLB SA without a hitch in endof Nov2016. Your case was after that?

Yes. But I suggest you use Maybank and don't do over 10k.
The last time I tried HLB and they did ask whether it is BT overpayment, and I replied no.
They seems to be getting stricter, not only them but I suspect most banks are stricter now.

What I meant was I submitted BT application from other banks to overpay my MBB cc and then request the money to MBB CASA.

The only BT application I did before without needing statememt is PBB (6 mths 0% promo) and Ambank (for new cardholder 12 mths 0%).

Yes. Both PBB and Ambank.

Yes, can combine.

I thought AEON minimum BT is RM 1k? How to split then?

hi guys, i'm newbie here.

Just interested in BT plan to cater interest charge by other cc. last year paid about RM1300 only for finance charge to HSBC CC. Please advice and help me. I have studied about BT in iMoney and RinggitPlus and applied BSN CC with RinggitPlus to get the Coffee Maker + have BT 0% instalment for 6 months 0.3% for another 6 months (12 months tenure)

I have an offer of 36k 12 mths 0% to BT, unfortunately, all my credit card balance is cleared and I do not have any big expenses planned.

I want to cash out this 36k, except Maybank, any others bank easier to transfer balance to savings account? Because amount is more than 10k, it would be a bit troublesome with Maybank. Btw, I have 3 Maybank credit cards including Maybank 2 cards. Need sifus to guide. Thanks.

Thanks! Got my approval SMS yesterday evening and saw the BT charges in my AEON online portal. Guess I'll be seeing the money by end of this week.

BT comes with fee. But now bank start offer it as 0% BT and start to don't need credit card statement to BT. So it seems like bank is getting benefits from this 0% BT transfer where there is some people unable to repay on time and bank earn from this. Else bank won't keep giving this offer, i.e. PBB & AEON. Others bank are following this trend as well by offer it to new customer or retention of existing customer purpose.

For a long time already. From memory:

PBB proudly advertises their no statements policy

MBB doesn't require statement through M2U applications

Ambank BT doesn't even need a form - just call CS and tell them amounts

AEON is strict and requires statements or online screen shots.

Yes, the form straight waives 3%, it's stated on the form. If they still continue using the same form.

M2u..charged 1st n reverse later
Email - no charges

Yes. I had applied on 28 February. This is what the CS said. That's why I asked for real life experience. Anyway, I'm doing over payment to Maybank unused credit card, so due date is not an issue. Haha.

Btw, Maybank BT is really fast and furious. 1 March afternoon applied through M2U, 1 March evening approved, 2 March transferred to PBB already (Checked and PBB Online already showed payment in Unbilled Transactions).

Really got different btw number 1 bank in Malaysia and "Ambank".. Ambank applied through calling CS on 28 Feb. Said will call me for verification within 3 working days. No news as at today.

hi all
i tried apply MBB BT through maybank2u today..
received email said approved in principle..
then later received sms saying
"we regret to inform that we are unable to accede to your Balance Transfer appl.
Thank you for your interest shown."

anyone got such experience?
thanks

ok just done this BT application. waiting for approval. they allow 80% of CL

all done on phone.

Yes. I received my overpayment yesterday night (Just in time to put the 30k refund into GIA-I before 10pm). Today able to do the BT and just received the BT approval sms.

So conclusion is unable to do BT through email and M2U when there is overpayment in credit card.

RHB has a promotion started yesterday, BT 6 months 1.5% interest rate.