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 Credit Card v9, RM50 GST dilemma

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zenwell
post Jan 20 2010, 09:28 AM

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QUOTE(ICDeadPeople @ Jan 19 2010, 04:56 PM)
I applied DA cimb last couple of weeks. Received it yesterday and i was quite shock to find CL they give is like almost 4 times more than my maybank. Either they made mistake or they just want to attract people.
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No surprise. CIMB double up my CL last month. All my colleagues also have their CIMB card CL double up.
Joey Christensen
post Jan 20 2010, 10:53 AM

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QUOTE(ICDeadPeople @ Jan 19 2010, 04:56 PM)
I applied DA cimb last couple of weeks. Received it yesterday and i was quite shock to find CL they give is like almost 4 times more than my maybank. Either they made mistake or they just want to attract people.
*
Unfortunately, it is not by mistake. It's just a devil's offering. Waiting for you to take it and grab a bite on it. Before you know it, you'll be in paralysis state just like the other 2.7 million people in Malaysia. (You'll do the plus and minus calculation on those young executives which are entrapped by the credit card woes)

Regards, Joey
xander
post Jan 20 2010, 08:08 PM

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i went to apply amex ikhwan MBB ytd in MBB private banking and they said maybank is quite tight on approving new applications as they saw my salary is only 2.2k per month.

and hsbc even worst. they called me up n asked me how long i been working. i said 2 months. well is like 3 more days then i'll hit 3 months. then 2nd question salary bank to where? i said maybank. then they terus said they'll call me back. gone case i think

life's tough ain't it
hye
post Jan 20 2010, 10:27 PM

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Hi Joey ...

Interesting thoughts you have there. Well IMHO, I don't think CL and credits cards are solely to blame. I mean many can't resist the urge of credits. If you think, Malaysians are solely to blame then countries such as South Korea also face the same problems.

Way back then credit cards were harder to obtain but now with just an annual salary of RM18k per annum, you can get one. And many obtain their first credit card under the pretext of needing to travel, petrol or 'emergency' use. It's the education that's important ... even my friends have the same problem, some of them are even afraid of having RM50 in their wallets. wink.gif

This post has been edited by hye: Jan 20 2010, 10:28 PM
crapmann
post Jan 20 2010, 10:41 PM

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Need some advice here... icon_question.gif
I am a CIMB mastercard classic card holder. I specifically remembered when I signed up it was free for life (supposedly)
However, I just received my bill and to my surprise, I was charged an annual membership fee of RM70.00 mad.gif
Checking back at the application form still states that it is free

What can I do here? I feel like I am being cheated here so I don't feel like paying mad.gif
zenquix
post Jan 20 2010, 10:45 PM

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Call them and enquire on the charge. Is it the card "annual" fee or did you sign up for something without realising it....
crapmann
post Jan 20 2010, 10:51 PM

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QUOTE(zenquix @ Jan 20 2010, 10:45 PM)
Call them and enquire on the charge. Is it the card "annual" fee or did you sign up for something without realising it....
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Ya, I will call them up tomorrow and will probably screw a few people vmad.gif

Didn't sign up for anything. Their website states there is an fee for membership (AFAIK, when I signed up there wasn't). Link

Yet, in their application there was no mention of this fee sad.gif Link rclxub.gif

vmad.gif
alexwsk
post Jan 20 2010, 11:06 PM

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QUOTE(crapmann @ Jan 20 2010, 10:51 PM)
Ya, I will call them up tomorrow and will probably screw a few people vmad.gif

Didn't sign up for anything. Their website states there is an fee for membership (AFAIK, when I signed up there wasn't). Link

Yet, in their application there was no mention of this fee sad.gif Link  rclxub.gif

vmad.gif
*
since it's cimb, potong saja la tongue.gif
crapmann
post Jan 20 2010, 11:09 PM

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QUOTE(alexwsk @ Jan 20 2010, 11:06 PM)
since it's cimb, potong saja la tongue.gif
*
Wanna potong liao...but now is beh song, cos feels like being cheated...
Others don't have this problem before?
MilesAndMore
post Jan 20 2010, 11:21 PM

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QUOTE(crapmann @ Jan 20 2010, 10:41 PM)
Need some advice here... icon_question.gif
I am a CIMB mastercard classic card holder. I specifically remembered when I signed up it was free for life (supposedly)
However, I just received my bill and to my surprise, I was charged an annual membership fee of RM70.00 mad.gif
Checking back at the application form still states that it is free

What can I do here? I feel like I am being cheated here so I don't feel like paying  mad.gif
Do you have any supplementary card ? Because as far as i know, RM70 is the annual fee for supplementary card and supplementary card for Classic and Gold doesn't come with automatic annual fee waiver.

This post has been edited by MilesAndMore: Jan 20 2010, 11:22 PM
crapmann
post Jan 20 2010, 11:25 PM

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QUOTE(MilesAndMore @ Jan 20 2010, 11:21 PM)
Do you have any supplementary card ? Because as far as i know, RM70 is the annual fee for supplementary card and supplementary card for Classic and Gold doesn't come with automatic annual fee waiver.
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Nope, don't have a supplementary card...
Btw, I think supplementary card charge in not RM70 but RM35 (for classic card)
MilesAndMore
post Jan 20 2010, 11:43 PM

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QUOTE(crapmann @ Jan 20 2010, 11:25 PM)
Nope, don't have a supplementary card...
Btw, I think supplementary card charge in not RM70 but RM35 (for classic card)
Oh right. Was using Gold supplementary last time and RM70 is for Gold one sweat.gif

cheez
post Jan 21 2010, 02:13 AM

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QUOTE(crapmann @ Jan 20 2010, 11:25 PM)
Nope, don't have a supplementary card...
Btw, I think supplementary card charge in not RM70 but RM35 (for classic card)
*
I used to have a CIMB classic mastercard as well.
Well, I canceled it once the tax was announced.
CIMB didn't offer much besides the free for life (back then).

So what I would suggest is, just cancel it.
Remember to fax in cancellation letter, scan a copy and email to them.
after that call them and resend the email until they give you a response.

I canceled mine back in late Nov, now still haven't got the confirmation letter that my card is canceled although I've got the informal email confirmation.

Good luck. wink.gif
muscaa
post Jan 21 2010, 06:57 AM

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QUOTE(cheez @ Jan 21 2010, 02:13 AM)
I used to have a CIMB classic mastercard as well.
Well, I canceled it once the tax was announced.
CIMB didn't offer much besides the free for life (back then).

So what I would suggest is, just cancel it.
Remember to fax in cancellation letter, scan a copy and email to them.
after that call them and resend the email until they give you a response.

I canceled mine back in late Nov, now still haven't got the confirmation letter that my card is canceled although I've got the informal email confirmation.

Good luck. wink.gif
*
my Maybank Amex cc was cancelled in Nov 09 but it still appears in my maybank2u account... need to call them up and request for immediate termination sad.gif
ICDeadPeople
post Jan 21 2010, 08:10 AM

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QUOTE(Joey Christensen @ Jan 20 2010, 10:53 AM)
Unfortunately, it is not by mistake. It's just a devil's offering. Waiting for you to take it and grab a bite on it. Before you know it, you'll be in paralysis state just like the other 2.7 million people in Malaysia. (You'll do the plus and minus calculation on those young executives which are entrapped by the credit card woes)

Regards, Joey
*
Ha ha, in that case they will be disappointed, since i'm intended to use this card as my secondary card. Even my main card I hardly use 1/3 of the CL.
y@nggene
post Jan 21 2010, 11:56 AM

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if DA now apply got promotion I will aply lo. but now also no free gift
Bakmoi
post Jan 21 2010, 12:05 PM

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Planning to get a CC soon , My pa is 20k.

Any good cards to recommend ?

I plan to get Citibank Shell card and Maybank Amex.

Other suggestions ? notworthy.gif
SUSDavid83
post Jan 21 2010, 12:06 PM

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QUOTE(y@nggene @ Jan 21 2010, 11:56 AM)
if DA now apply got promotion I will aply lo. but now also no free gift
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Got. I think Santa Barbara back pack.
temptation1314
post Jan 21 2010, 12:08 PM

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Screw it la... so hard to call CIMB Call Center now... doh.gif
20 minutes wait on the phone also nobody is picking up....

doh.gif
gkweng
post Jan 21 2010, 12:13 PM

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QUOTE(temptation1314 @ Jan 21 2010, 12:08 PM)
Screw it la... so hard to call CIMB Call Center now... doh.gif
20 minutes wait on the phone also nobody is picking up....

doh.gif
*
Same with me! For the passed 2 week, I call in CIMB and want cancel my card, call almost whole day also no people pick up... mad.gif

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