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Author: bellaluna

PERSONAL LOAN VS BALANCE TRANSFER

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Post time 14-12-2009 02:34 PM | Show all posts
20# medangmru

... and please read carefully the terms & conditions....

BT yg dapat hadiah besar2 / canggih ni.. biasanya ada minimum limit... dan kadang2 ada certain period kena maintain that limit...

contohnya : Kena transfer at least RM5k.. dan maintain balance RM5k dlm CC sehingga 12 bulan... so at least bank akan makan interest utk RM5k utk 12 bulan berikutnya...
kalo takde syarat... bagus la...

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Post time 14-12-2009 03:18 PM | Show all posts
betui.....betui....

Mana ada BT yg takder syarat....tambahan plak yg ada bg hadiah besar2 tu....konpem ketat syaratnya...
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Post time 14-12-2009 03:42 PM | Show all posts
saya nak tanya la..saya ada 3 cc...bayo min tak pernah gelincir la..so kena apply BT bank selain dr bank yg saya pakai CC diorg tu ke??
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Post time 14-12-2009 03:47 PM | Show all posts
A'aaah pu3...gitulah kekdahnya....tak bleh nak buat BT pd Kad yg kita tgh guna....biasanya Buat BT dr CC Bank A ke Bank B....

kene clarify dulu dgn Bank B tu samada ada promosi BT atau sebaliknya....
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Post time 14-12-2009 03:51 PM | Show all posts
24# medangmru
camni..BT pbb saya ada tgk la thru tenet...ada ke bank lain yg wat BT..so saya kena call ckp nak wat balance transfer ke?? sbb PBB BT valid for cardmember je..uwaaa....
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Post time 14-12-2009 04:58 PM | Show all posts
Yupppp........................kalau nak buat Balance transfer ke Bank B....kita kene ada akaun CC ngan Bank BB....takpun...kita leh apply dlm borang cc tu....kemudian instruct atau apply suh buat BT..
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Post time 15-12-2009 07:51 PM | Show all posts
klu payment tak cantek,nak apply BT or personal loan pun xlepas..

tp klu boleh lepas,opt utk BT klu bleh strict byr penuh monthly payment tu.
n klu apply loan pun,lps tu,xleh guna gak kad kdt tu lagi.

klu tak,lps setel dgn BT/loan,pastu menambah beban jugak..huhu
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Post time 15-12-2009 07:52 PM | Show all posts
24# medangmru
camni..BT pbb saya ada tgk la thru tenet...ada ke bank lain yg wat BT..so saya kena call ckp nak wat balance transfer ke?? sbb PBB BT valid for cardmember je..uwaaa....
pu3_krizalid Post at 14-12-2009 15:51


sebelom nak wat BT,kena apply kad diorg dulu.lps approve,then baru proceed nak apply BT.
mana2 bank mostly ade je offer BT.

so,klu application ditolak,mmg x dapek la nak wat BT
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Post time 16-12-2009 12:58 AM | Show all posts
sorryy off topik skit..teka-teki dr kawan aku..
dlm banyak-banyak bank,bank ape yg tak bole buat loan or BT
jawapan:bank negara ... huhuu :pompom:
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Post time 16-12-2009 09:17 AM | Show all posts
29# ridd

lor.. ko tanya.. ko jugak yg jawap...

aku baru nak jawap bankrup..
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 Author| Post time 17-12-2009 04:54 PM | Show all posts
td HSBC call..
dorg ada promotion BT 12mth 0% interest
tp mula2 kena byr 3%

dorg nye BT juz for 12mth je x de lebih dr tu.
ok ke tu?kalo ikot kan byr kdt kad skrg da lebih kurang = amount bila
uat BT ngn HSBC ni..
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Post time 17-12-2009 07:24 PM | Show all posts
braper nilai Minimum leh transfer tu bella??
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 Author| Post time 21-12-2009 04:16 PM | Show all posts
32# medangmru

x sure la plak nilai minimum....tp kena byr 3% upfront..
kalo amik 8k jdnye 8240 cam tu ...12 mth.
monthly dlm 6 rat lebih..

tp tgk hong leong cam ada promotion gak..
am bank pun ada...tetibe byk plakkk..
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Post time 21-12-2009 08:47 PM | Show all posts
biasalah bella..skang ni bank berlumba2 nak attract current cc holder....so dgn adanya balance transfer ni...dgn harapan cc holder bank lain apply....pehtu buat BT...pehtu terminate cc Bank sedia ada....utk jangka masa panjang mmg bagus...Bank dah study sumer tu..
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Post time 21-12-2009 11:47 PM | Show all posts
xtau plak nak kena ade upfront.
selalu bukan skang ni promo zero interest or lower interest utk BT ke?

xpenah dgr lg yg ade upfront
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 Author| Post time 22-12-2009 01:20 PM | Show all posts
35# TumblerTK

itu la pasal..
dgn itu sy pun reject...skrg ngah survey hong leong nye plakk..
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Post time 22-12-2009 06:02 PM | Show all posts
korang survey2 Hong leong atau Bank2 lain ni...mmg korang dah ada cc bank tu atau camner???
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Post time 23-12-2009 03:00 PM | Show all posts
34# medangmru

aah..mmg giler aah bankers nak cari customer sekarang...maybank pun ade offer gak 0% balance transfer nie..tapi untuk 3 bulan je..
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Post time 23-12-2009 06:56 PM | Show all posts
bank mana skrg ada offer bagus utk BT ni..?ingat nak buat ler...
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Post time 23-12-2009 08:11 PM | Show all posts
39# illa

aku xbaper prasan psl yg bg free gift.
tp ms aku survey utk buat BT dulu,aku cuma prasan ambank je yg offer hadiah utk tiap BT.
klu 2K hp,klu 10K dpt tv ke apatah..

yg paling best offer masa tu PB.so skang ni xsure la.sbb skang dah makin ramai yg offer memacam utk BT.
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