Balance Transfer 0% interest for life

cnchoo

MBF Cards 推出的 balance transfer 0% interest for life 好像很多人都不知道哦！
特此来分享
详情可参阅 http://www1.mbfcards.com/promotion-powerdelicpair.html

傻人最有傻福

for life 那么厉害

kennylow1120

可是很少人还有拿他们的卡咯！

风云888

是不是新顾客才有这offer,久顾客有吗？谢谢

kennylow1120

哈哈哈！你看清楚他的t&c了吗？
我发出来，你自己看看

MBF CARDS “POWER CREDIT” PROGRAM
Important Points to Note
CardMembers are required to read and understand the complete set of Terms and Conditions
before participating in this Program. Here are some important points to note.
1.  This program is open to any individual applying for a principal Platinum or Gold card during
the Program period.
2.  0% interest is only applicable if the outstanding amount on your card is less than or equals to
RM3,000 (MasterCard and Visa Platinum) or RM2,000 (MasterCard and Visa Gold Card). All
amounts in excess will be subjected to MBF Cards prevailing interest rates.
3.  Cash advance transactions are not part of this 0% interest free credit benefit and will incur
the normal prevailing interest and fees chargeable from the date of cash disbursement.
4.  In cases where there is a breach (as per MBF Cards Card Agreement) or card cancellation,
the interest free credit will be revised to MBF Cards prevailing interest rates.
5.  Should there be any changes in the card product category within the 3-year interest free
period, the credit amount at 0% interest shall remain unchanged as per the initial card
approved.

cnchoo

哈哈哈！你看清楚他的t&c了吗？
我发出来，你自己看看

MBF CARDS “POWER CREDIT” PROGRAM
Important ...
kennylow1120 发表于 28-6-2012 06:01 PM

    大大，谢谢你的提醒。。。 但我所提的是Power Plus Balance Transfer， 不是Power Credit。。。
这是我了解的：

MBF CARDS “POWER PLUS BALANCE TRANSFER” PROGRAM
Important Points to Note
CardMembers are required to read and understand the complete set of Terms and Conditions
before participating in this Program. Here are some important points to note.

1. Any Balance Transfer amount that is less than or equal to RM3,000 will not be subjected to
any charges whatsoever.

2. Any amount that is in excess of RM3,000 will be subjected to a one-time upfront Balance
Transfer preferred interest of 5.99%.
For example, on a Balance Transfer of RM4,500:
• Interest charges on first RM3,000= RM0.00
• Amount in excess of RM3,000:
One-time upfront Balance Transfer preferred interest 5.99% x RM1,500 = RM89.85

3. Upon the disbursement of the approved Balance Transfer amount, the repayment of the
Balance Transfer amount shall be on a monthly installment from RM99 except for the final
installment. The final installment shall be the amount necessary to settle the remaining
outstanding Balance Transfer amount.
4. CardMembers are required to transact a minimum of RM300 per month on their Card
account until the total Balance Transfer amount is fully settled. 这三百块打油还电话费差不多了

虽然超过3千会有upfront 5.99%但个人还是觉得值得啦！

纯属分享。。。接不接受还是很个人的问题。。

cnchoo

是不是新顾客才有这offer,久顾客有吗？谢谢
风云888 发表于 28-6-2012 05:57 PM

Power Credit 的0% for 3year 只是给新客户罢了
Power Plus Balance Transfer 是给新旧的都可

风云888

谢谢各位大大提供的资料

kennylow1120

说真得。。。真的是好古怪的bt
做bt，还要每个月刷300，我想问的是，如果没刷会怎样？

不过如果拿来玩投资的话应该ok！最吊的是可以life time咯！
不过每个月是要还5%或rm99，是看哪一个高吗？

kennylow1120

回复 6# cnchoo

啊！我看错，sorry不过还真的是长知识了！
我以前在mbf做的时候就知道它古怪，与众不同！
没想到现在更厉害，连bt都那么古怪！厉害厉害

~@Star@~

因bt 没得赚， 唯有要你们刷rm300（赚卡机钱）咯 。。。

kennylow1120

回复 11# ~@Star@~


  对哦！忘记了mbf有一半的credit limit是ambank的！真的只能赚卡机钱罢了！

阿航

如果 bt 30k, 一個月還 rm 99, 那不是要 25 年才還完?

cnchoo

回复  ~@Star@~


  对哦！忘记了mbf有一半的credit limit是ambank的！真的只能赚卡机钱罢了！
kennylow1120 发表于 29-6-2012 01:46 PM

那是以前，现在新发的卡credit limit 是MBF Cards的，所以不能在ambank还了。。。以后就不知道啦！

kennylow1120

回复 13# 阿航 应该是要还min5%的啦！最少99咯！

kennylow1120

回复 14# cnchoo
哦～原来！好久没去了解mbf了！！谢谢指教！呵呵

阿航

回复  阿航 应该是要还min5%的啦！最少99咯！
kennylow1120 发表于 29-6-2012 02:10 PM

30k x 6% = 1800
30k, 每月還 5%, 大概還了四年多後,  就開始每個月還 rm 99, 五年後, 剩下少過一千元, 就一次過還完...

剛開始時 5% 很多, 到後來就越來越少, 第一個月的五巴仙是 rm 1500, 到第六十個月時, 欠1千多, 要還 rm 99

所以剛開始要還很多, 又要還 6% 的利息, 第一年後就差不多還了一半的 bt amount, 好像不是很好的plan.

kennylow1120

回复 17# 阿航


   问题是它没利息哦～～那么快还完干嘛，有多余钱，拿去投资咯

阿航

回复  阿航


   问题是它没利息哦～～那么快还完干嘛，有多余钱，拿去投资咯
kennylow1120 发表于 29-6-2012 03:27 PM

你不是說每個月最少 minimum 要 5%嗎?
上面的計算是用給最少minimum 5%來算的, 因為如果給 minimum 5%的話, 每過一年, 所欠的錢大概會減半.....以 bt 30k 為例, 過一年大概會剩下 15k, 過兩年大概會剩下 8k, 過三年大概會剩下 4k, 過四年大概會剩下 2k, 過五年大概會剩下 1k.

kennylow1120

回复 19# 阿航

他的bt是0%for life的啦！只要每个月还min payment（5%or rm99）就可以了，没有利息啊5.99%是收一次罢了（one time only）！