Ringgitsavers.com

Affin Bank Credit Cards Offer The Lowest Balance Transfer Interest Rate at Zero Percent!

This is good news for everyone who would like to cut down their costs of credit card payment. While some of us pay our bills on time, some simply just could not afford to and prefer to spread it over a period of time. But as you delay in your payments, the more will you pay to the Bank. So if you purchase an item that costs you RM100 at the counter, you may end up paying RM125 if settle the amount within 6 months after purchase. There is a solution to this increasing costs for delayed payments i.e. through a balance transfer programme. Through Affin Bank Preferred Credit Card Programme, Affin Credit Card holders are able to transfer their outstanding balances from other banks to their Affin Credit Card Account and spread it over 12 months at zero percent interest rate! Pretty neat isn’t it? A quick check at other major local banks offerrings reveals that there are nothing comparably low such as what is offered by Affin Bank. This is truly a good deal. Affin is charging only 9.99% of APR, which is currently the lowest in the market.

>>> If you would like to learn more about Affin Bank Preferred Credit Card Programme, you may download its FAQ by clicking this link.

Beyond 12 months, perhaps you should be looking at Maybank Balance Transfer Programme. Maybank is charging about 0.375% per month for 24 months repayment period and 0.413% per month for 36 months repayment period.

>>> For more details on Maybank Balance Transfer Programme, kindly click here!

There is also a term coined in the States i.e. Credit Card Tarts, where someone will shift their balance from one “0%” interest balance transfer programme to another “0%” interest balance transfer programme simply because the former has expired. If you are alright with hassle that comes with this, jumping from one programme to another certainly can stretch your zero % interest period more than 12 months. Amongst the top banks in the market that offers zero % interest period are:

• CIMB Bank - 0% for 6 months
• Maybank - 0% for 3 months