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

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yw46
post Sep 13 2016, 07:55 PM

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QUOTE(Alec.Yong @ Sep 13 2016, 06:29 PM)
After having Aeon Credit Cards for more than a year, feel like wanna to ultilize their 0% BT.

Called to the customer service and being told that apart from the BT application form, the card statement from other bank which need to do the BT, have to attach with the BT application.

When asking about they take how much time to process the BT, CS said will take about 7 to 14 working days.

My question is, if they can't process on time while the due date is coming. Who is going to responsible for the late payment charge and the interest..wink.gif
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Any hidden T&C for the 0% BT ?

yw46
post Sep 27 2016, 09:27 PM

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QUOTE(lilsunflower @ Sep 27 2016, 09:10 AM)
Agreed smile.gif. Cashback for me since Jan 2016 is 6800. Haven't included the BT interest savings and free gifts (2 luggage bags, 1 blender, 1 Coffee maker). I only started this in late 2014 and used to lurk in LYN to learn. Now it's more of a hobby than a task.

Back to the BT topic. I am going to try Maybank2u BT application this week for just 1200 to experiment how long it takes and whether I get auto approved or rejected. Curious to see if they will ask me for statements, or if it's really simple. Based on previous posts, looks like people have different experiences.
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Interesting.
Mind sharing your effective cash back % based on the 6800?
smile.gif
yw46
post Oct 7 2016, 11:06 PM

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Hi my AEON BT approved on 30th Sep, but the money havent credited to any of my CC yet. Is this normal?

yw46
post Oct 29 2016, 05:20 PM

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New CC from OCBC
https://www.ocbc.com.my/personal-banking/Ca...mastercard.html

come with automatic 6 months 0% installment
yw46
post Oct 29 2016, 08:17 PM

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QUOTE(fruitie @ Oct 29 2016, 06:39 PM)
Thinking if I should convert my useless GE Plat to this card. I was about to call them next Monday to cancel it. hmm.gif
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Personally I think this is one of the best card for big spending since usually RM1000+ spending will instantly burst our CIMB CB, Public VS, YOLO, SC Gold etc typical cash back card's cash back quota.

Despite the cash back (0.5%) might lower than HLB essential, OCBC Titanium, OCBC WMC, but from the 6 months 0% IPP, we definitely can save more interest and better manage our cash flow.

yw46
post Jan 5 2017, 07:35 PM

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QUOTE(mitodna @ Jan 5 2017, 08:51 AM)
try apply Public Bank, don't apply BT to the card that has condition of annual fee waiver, 2 years 5% one time charges

https://www.pbebank.com/Personal-Banking/Pr...ansfer-XVI.aspx

HSBC always said annual fee waiver is very easy rolleyes.gif

also after apply HSBC BT, do not use your card, it will has retail interest if any further transaction
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Will Maybank and AEON BT behave the same way? or I can safety swipe Maybank and AEON after BT?
yw46
post Feb 15 2017, 12:26 AM

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QUOTE(codyauyong @ Feb 14 2017, 02:25 PM)
I have Aeon Gold MasterCard and Aeon Big Gold Visa Card. I have already applied balance transfer using Aeon Gold MasterCard last month. Can I apply balance transfer again this month using Aeon Big Gold Visa Card?

Spoke to customer service and asked me to try sad.gif

Thanks everyone in advance.
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Only one active BT acrosss all accounts.
I tried to apply for a second BT and failed.
yw46
post Mar 3 2017, 08:58 PM

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QUOTE(yusiang @ Mar 3 2017, 02:31 PM)
How to apply BT from HSBC? I couldn't find the 0% for 6 months BT plan(for new-to-bank customers) on their online application form.
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https://sp.hsbc.com.my/bt?WT.ac=HBMY_EXT_BT
yw46
post Apr 24 2018, 08:18 AM

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QUOTE(wjleong15 @ Apr 23 2018, 11:20 PM)
where you park your car?
heard there short of parking
plan to go long time
but dunno where to park
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Illegal parking in front bus stop, or just take grab.
yw46
post Feb 25 2019, 09:02 PM

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QUOTE(Ineedalaptopnow @ Feb 25 2019, 01:25 PM)
off topic a bit, i think bank would not offer any BT any time soon, bank would rather invest their fund in stock market since yield is double digit in 2019. unless bank has too much money and no place to invest them then they would offer BT to their cc customer. just my thought.

edit: 2018 was harder to invest in stock market.
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Nope the world doesnt work that way.

 

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