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

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xiaoxiaoshen
post Jun 30 2020, 08:01 PM

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QUOTE(LemonJane @ Jun 27 2020, 07:53 PM)
Yes and 80%, Aeon that is. Don't know about the others
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As i aware 80% on your available credit and not your credit limit.

let say your limit 10k, latest outstanding 5k, then your BT max 4k not 8k.

This post has been edited by xiaoxiaoshen: Jun 30 2020, 08:01 PM
xiaoxiaoshen
post Nov 26 2021, 11:50 AM

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0% BT for AEON also not available, based on previous post, some call to CS still can apply for it, but today i call 2 times different CS, it is no more 0%, you need to pay 1 time 3% processing fees for 12 month BT.
xiaoxiaoshen
post Nov 28 2021, 01:34 PM

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QUOTE(tiramisu83 @ Nov 27 2021, 12:08 AM)
Just fill up the BT form, CS will call you and offer you if you are lucky.

I have got almost 3 times for 0% BT even i am not "new to bank"  rclxms.gif
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if i not mistaken the Affin 0% BTiP is extended till end of this year, for new n existing user.

eddited: sorry, i checked back it is Eiplan not BTiP.

This post has been edited by xiaoxiaoshen: Nov 28 2021, 02:43 PM
xiaoxiaoshen
post Jul 20 2022, 10:59 AM

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QUOTE(Keatsan @ Jul 16 2022, 03:29 PM)
I received a reply from Jeriga. But it's not the 6 months 0% transfer. Instead got this
A 12 months 3.00% upfront

B 18 months 3.99% per annum

C 24  months 4.50% per annum

D 36 months 5.99% per annum
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same offer i got from her. sad.gif
xiaoxiaoshen
post Nov 15 2022, 01:01 PM

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QUOTE(paogeh @ Nov 10 2022, 10:36 PM)
My affin BT going to end December.

Do Affin have new BT offer ? Thank you
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saw previously discussed, you may seacrh this forum " Affin 0%" if i not mistaken until end of this year

xiaoxiaoshen
post Feb 16 2023, 03:53 PM

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QUOTE(LemonJane @ Feb 14 2023, 12:18 PM)
The way I understand it, we can pay more than the minimum alright, but the system does not carry the excess as payment in advance for the next statement cycle.
Ya better pay the whatever statement minimum shown.
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user posted image

not to confuse other with min payment & current balance, if only pay for min payment it will subject to interest charges. always need to settle the current balance to avoid interest charges.
xiaoxiaoshen
post Apr 12 2023, 10:47 AM

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QUOTE(xiaomoon @ Mar 21 2023, 02:38 PM)
RM0 MBB: Consolidate your credit card balances! Apply Maybank Balance Transfer/-i & enjoy 0% for 12 mths with 1% upfront fee by 15/11/23 via M2U. T&C apply

anyone receive this offer?
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pls keep save your sms msg, i did received and perform BT. refer to T&C it will charges 3% then refund 2% after 60-90 days. when i call they told my CC is not qualify, and ask me to show if i have received the sms. unfortunately i deleted ths sms.
xiaoxiaoshen
post May 23 2023, 04:32 PM

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QUOTE(lfw @ May 21 2023, 06:08 PM)
RHB: https://www.rhbgroup.com/btcx/index.html

BT & Cash Installment Plan | 0% Exclusively for new RHB Credit Card/-i applications. | Campaign Period: 1 January 2023 – 31 December 2023

up to 30k  brows.gif
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QUOTE(Wolgie @ May 22 2023, 11:45 AM)
then which card should we apply?  brows.gif
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RHB shell, 8%CB some shell can reload TNG brows.gif
xiaoxiaoshen
post Jan 10 2024, 10:42 AM

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just some survey, everytime when i done BT, then few week later i will received few call from unknow ask if i need money, they can lend it with low interest rate. banker leak our contact?
xiaoxiaoshen
post Jan 24 2024, 10:37 AM

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QUOTE(jiaen0509 @ Jan 23 2024, 09:30 PM)
Quick Questions:

If I BT 2k from HSBC to Maybank, while my outstanding balance at Maybank is 1k. Does 2k BT can success and balance becoming-1k?

Because my BT amount more than current outstanding and worried it fail later.
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can, i had just BT from Affin 9k to my outstanding 5k CC. and i can use 4k more without worry. icon_rolleyes.gif
xiaoxiaoshen
post Jan 24 2024, 10:42 AM

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QUOTE(virtualgay @ Jan 15 2024, 02:04 PM)
1 time only.. .2nd time need to pay 1%
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just done my first affin BT and received call, as check it will take 4-5 days. and 2nd BT will need to pay just 1% FIR, it is equal about 2% EIR still worth bah, since FD min 3% EIR. take this money to FD you still gain 1%.
xiaoxiaoshen
post Apr 16 2024, 11:00 AM

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RM0 UOB: Transfer your other bank credit card outstanding balances to UOB Card at 0% upfront interest for 3 months by 30Apr24. SMS UOBBT to 66300 for info (T&C).

you guy can try to sms. but 3 months only for 0%

xiaoxiaoshen
post Apr 18 2024, 01:09 PM

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QUOTE(TongCN @ Apr 17 2024, 01:11 PM)
Received the call but tell me 3.99% :\
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QUOTE(ChiaW3n @ Apr 18 2024, 03:18 AM)
Same and the officer non stop calling one day can called up to 8 times can you imagine
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so fast you guy got the call after send sms reply? i still not received any single call.
xiaoxiaoshen
post May 20 2024, 10:24 AM

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user posted image

Affin got another round of 0% BT
xiaoxiaoshen
post Jun 21 2024, 10:17 AM

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QUOTE(Jason @ Jun 18 2024, 12:22 PM)
Any success? AEON to MBB AMEX
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visa n master only
xiaoxiaoshen
post Jun 24 2024, 11:48 AM

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QUOTE(budak nakal @ Jun 21 2024, 04:38 PM)
Agent Amirul still available for 0% 6month BT?
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yes, i just got it approved last saturday. but for earlier BT, it not able to process for amex card.
xiaoxiaoshen
post Jun 27 2024, 06:07 PM

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UOB BT 0% 6months is better, is only need to pay 5% outstanding with 0% interest. payment 6 months for 20k as follow:

month 1 1000.00
month 2 950.00
month 3 902.50
month 4 857.38
month 5 814.51
month 6 15475.62
total 20000.00

xiaoxiaoshen
post Jun 27 2024, 07:01 PM

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QUOTE(fruitie @ Jun 27 2024, 06:35 PM)
HLB could be better. For month 6, you can still pay 5% on the statement balance due date and remaining on the expiry date if the expiry date is after your statement balance due date. smile.gif

Wait, I think when I applied for UOB last time, it is the same approach as HLB. One good thing about HLB is the expiry date is clearly mentioned but UOB will need to check with CS.
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you mean there is a catch in UOB? in month6 you still pay 5%, but on the expired of due date (which not mentioned in statement, there will start to charge 18%/annum? the expired of BT not same as credit card statement date?
lot of sifuan here can advise, who had kena the catch?

This post has been edited by xiaoxiaoshen: Jun 27 2024, 07:02 PM
xiaoxiaoshen
post Sep 25 2024, 11:28 AM

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QUOTE(Wolgie @ Sep 24 2024, 04:38 PM)
yup. if not, u will kena interest at 7th month.
I kena liao.
left balnce 3.8k, kena interest $$30.61
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after 6 months, seem like will charge 15%/annum on outstanding balance.
dont know how many already kena this trap. lucky i follow this post. will have my 6th payment in 2 months. if not my interest will be 10 times more than you. sweat.gif
xiaoxiaoshen
post Oct 25 2024, 03:13 PM

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QUOTE(fruitie @ Oct 25 2024, 12:47 AM)
Yes. But if it’s not a credit card no. (Example HLB), you would need to transfer to HLB credit card and call CS to transfer it to your BT account.
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for UOB can? UOB it has a "visa" number for your BT account. on month 6 you will need to pay all instead of 5% (month 1-5).
who ever attempt try this?

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