继续更新花旗信用卡的balance transfer

hilltop-bear

panda_08 发表于 2013-11-28 09:45
是有1%的，我特意问的，而且他们网上也写明了。是1%。

1%是半年免息期的手续费，按一年来算利率等于2%，所以说这个bt不是完全没有费用的。如果你拿拿钱放存款账户，现在存款利息不高还要交所得税，算起来也不是太多得益。

hilltop-bear

sorga 发表于 2013-11-28 09:39
Are you sure? I tripple checked last night. The lady on the phone assured there was no chargers/fe ...

你自己看t&c吧，1%的手续费，半年免息，等于一年2%的

panda_08

hilltop-bear 发表于 2013-11-28 09:47
1%是半年免息期的手续费，按一年来算利率等于2%，所以说这个bt不是完全没有费用的。如果你拿拿钱放存款账 ...

是的，所以如果没什么特意要用钱的地方也没必要拿出来只为了放在saving里面。

他又另外一个ready credit，是15个月的免息，1.9%的手续费。稍稍划算一点点。

hilltop-bear

panda_08 发表于 2013-11-28 10:00
是的，所以如果没什么特意要用钱的地方也没必要拿出来只为了放在saving里面。

他又另外一个ready credit ...

即使是放offset，现在房贷利率也低，也要算算划算不才行

henryhe1985

hilltop-bear 发表于 2013-11-28 10:04
即使是放offset，现在房贷利率也低，也要算算划算不才行

原来如此，那么也就是说，如果我的房贷5%，把钱放进去半年也就是2.5%，但是一进一出CITY bank的手续费就已经要2%，这么算来还想也不是很划算噢。是这样子理解吗？

henryhe1985

另外还有一个问题，申请了这个以后，原来自己的信用卡会被取消吗？没用过BALANCE TRANSFER，不是很清楚情况

hilltop-bear

henryhe1985 发表于 2013-11-28 10:31
原来如此，那么也就是说，如果我的房贷5%，把钱放进去半年也就是2.5%，但是一进一出CITY bank的手续费就 ...

对 还有，如果你没按花旗的要求做，有可能被罚息啥的，所以有一定风险。

sorga

Thanks guys. I will give them a call see what's going on. I am not paying for that 1%.

lovesabrina

等最终跟新。。到底要不要交1%手续费啊？

pokeabubble

年費多少?

jimmyliz

等最终跟新。。到底要不要交1%手续费啊？

allen8999

panda_08 发表于 2013-11-28 09:45
是有1%的，我特意问的，而且他们网上也写明了。是1%。

我可以负责任的告诉你没有。因为citibank搞活动，所以是free的，我知道网上写了1%，那是在没有促销的情况下，平时的话白金卡附属卡还要收钱呢，现在搞活动都不收！所以抓住机会啊，失不再来！

maplefire

http://www.citibank.com.au/aus/credit_cards/balance_transfers.htm
What is paid first, my Balance Transfer or other transactions I make on my account?
If your credit contract was formed on or after 1 July 2012, we will apply your payments to parts of your credit card balance with the highest interest rate first. If your credit contract was formed before 1 July 2012 and you haven't asked us to change the order in which we apply payments on your account, we will apply your payments to the parts of your credit card balance with the lowest interest rate first.

maplefire

Is there a Balance Transfer fee?
A 1% Balance Transfer fee currently applies for the Platinum and Signature credit cards.

maplefire

What rate will I be charged at the end of my Balance Transfer period?
At the end of the Balance Transfer period, the rate will revert to the cash advance rate. For example, if your balance transfer rate is 2.9% p.a. for 12 months, at the end of the 12 month Balance Transfer period your rate will revert to the cash advance rate.

maplefire

How will my Balance Transfer affect my interest free days?
You will not receive the benefit or be eligible for interest free days on purchases unless you pay the Closing Balance in full every month (including any Balance Transfers).

maplefire

http://www.creditcardfinder.com. ... alance_transfer_ppc

maplefire

1. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate on the Citibank Rewards Credit Card - Signature and Citibank Rewards Credit Card - Platinum card applies for the first 6 months on balances you transfer with this offer at point of this application. At the end of the promotional period any outstanding transferred balance will revert to Citibank Rewards Credit Card - Signature and Citibank Rewards Credit Card - Platinum credit card variable Annual Percentage rates for cash advances, currently 21.74% p.a. This offer ends 31 December 2013. New credit card customers only.

sorga

I was told again by two different people from call centre there is no fee for balance transfer.

What's interesting is: my card had $6000 credit limit (I know - I should've asked for more)
Last night, when I first applied for balance transfer, I was told I can do BT for the amount up to 80% of the credit limit, which is $4,800. But I only took $4000.
Today, when I called them, I again asked for balance transfer for my second credit card, I thought I could only apply for $800. But I actually got $1,600 which is 80% of my current balance after the first $4000 BT.

In short, by asking twice, 93.33% of the entire limit was used for balance transfer.

mightyview

继续关注

niwei

请问在申请时没填Credit card detail for "Transfer the outstanding from your other credit card or store card",不会影响拿现金支票吧?

findcaiyzh

niwei 发表于 2013-11-28 16:55
请问在申请时没填Credit card detail for "Transfer the outstanding from your other credit card or stor ...

我也没填，申请时那个好像是信用卡的。

allen8999

我回来更新，一个好消息，一个坏消息。
一个好消息是：CITIBANK已经跟我确认BT没有任何手续费用，这是针对这次利用网上PROMOTION申请的新客户的。
坏消息是：我的CHEQUE MONEY申请被拒了，说他们不会给我寄相当于CREDIT LIMIT 80%的支票，我问为何，电话里告诉我因为我是新的CREDIT CARD用户，我跟她争辩了几句，然后她说她也没办法，反正就是被拒了。但跟我说可以BT到另外一张卡上。
于是我灵机一动，让他们仍然把80%BT我的另一张信用卡上，然后我再从那张卡上把多余的那部分转到我的SAVING里就可以了。哈哈，这有什么区别呢？真搞不懂银行的逻辑。。。

joyful

在网上可以申请吗？可以给个链接吗？ 谢谢！

etangzhang

good

vr3ok

allen8999 发表于 2013-11-28 14:12
我回来更新，一个好消息，一个坏消息。
一个好消息是：CITIBANK已经跟我确认BT没有任何手续费用，这是针对 ...

要小心这么做，你从另外一张信用卡把钱转出来会不会涉及CASH ADVANCE。。。。。最好和你当前信用卡的银行确认一下，这么做会不会收高昂的利息！

allen8999

vr3ok 发表于 2013-11-28 19:01
要小心这么做，你从另外一张信用卡把钱转出来会不会涉及CASH ADVANCE。。。。。最好和你当前信用卡的银行 ...

谢谢你的善意提醒。我已经打电话跟银行确认过了，银行说可以转，只要是POSITIVE BALANCE就不会收CASH ADVANCE CHARGE。

不过你提醒的很对，每个银行不一样，最好确认过才操作。

rainy118

28度卡可以在westpac取款机上面取钱出来，没有手续费！！！！！

BT到28度卡上面，一旦拥有，别无所求。

victorche

rainy118 发表于 2013-11-28 19:58
28度卡可以在westpac取款机上面取钱出来，没有手续费！！！！！

BT到28度卡上面，一旦拥有，别无所求。 ...

同学，手续费是没有啊，利息呢？？？

rainy118

victorche 发表于 2013-11-28 19:05
同学，手续费是没有啊，利息呢？？？

你把这个卡BT 2万到28度卡，去westpac取出来，0利息。