Alexis, where is this ? I'm a cake guy

Bangsar Jalan Telawi, Ampang Great Eastern and easiest at The Gardens Mid Valley. Try the Tiramisu but my favorite is the Palova.

Ah ... The Gardens definitely is more convenient. Thanks mate

Palova my fav

Apparently dining in KFC on Sunday, the discount is now 5% instead of 10%..

ya lor. but the good thing is they giv u d discount on the spot. so u have the slot to use the RM50 for other items

http://www.cimbbank.com.my/index.php?ch=43...6&tpt=cimb_bank

I need some expert advice me on the Finance Charges ... My statement date is 28th every month ...

For the April statement, the outstanding balance is RM1669.78. Before the duedate, I make RM1000 payment. When the statement for May came, the Finance charges is RM43.23 .. Is that correct calculation..??

I called CS and they said is right ...

17.5% / 365 = daily interest rate ..., 12 days (don't know why 12 days) ... so the calculation is ...

1669.78 * (daily interest *12) = RM43.23 ...

Here is the statement ..

Posting Date Transaction Date Description Debit (RM)
RM Credit (RM)
RM Outstanding Balance
RM
Previous Balance 508.00
17-Apr-2011 17-Apr-2011 0008 PAYMENT THROUGH GIRO-THANK YOU 300.00 208.00
25-Apr-2011 23-Apr-2011 xxxxx 17,495.00 17,703.00
28-Apr-2011 23-Apr-2011 I.PAY PLAN 0/30 17,495.00 35,198.00
28-Apr-2011 28-Apr-2011 I.PAY PLAN 01/30 583.07 35,781.07
28-Apr-2011 28-Apr-2011 CONVERTED TO I.PAYPLAN 17,495.00 18,286.07
28-Apr-2011 28-Apr-2011 xxxxx 874.75 19,160.82
28-Apr-2011 28-Apr-2011 FINANCE CHARGES 3.96 19,164.78



Posting Date Transaction Date Description Debit (RM)
RM Credit (RM)
RM Outstanding Balance
RM
Previous Balance 1,669.78
04-May-2011 01-May-2011 xxxxx 11.00 1,680.78
04-May-2011 02-May-2011 xxxxx 305.00 1,985.78
16-May-2011 16-May-2011 0008 PAYMENT THROUGH GIRO-THANK YOU 1,000.00 985.78
28-May-2011 28-May-2011 I.PAY PLAN 583.17 1,568.95
28-May-2011 28-May-2011 FINANCE CHARGES 43.23 1,612.18

This post has been edited by Felice821: May 30 2011, 04:37 PM

wah, even when convert to installment plan still cannot pay in full.

RM1000 is already full payment, CIMB claimed that the previous not full amount charges..

(-) You owe the bank
(+) You paid the bank

For Statement Ending 28 April 2011, you are suppose to pay RM1969.78, but you paid RM1,000 on 16 May 2011.
Thus you get charged RM43.23 for the outstanding of RM969.78

You need to pay the full Statement Amount every month, before the Due Date, to avoid Finance/Interest Charges.

This post has been edited by ronnie: May 31 2011, 09:37 AM

For the CIMB Sunday 5% Rebate, is the RM50 per month for all brands combined or RM50 per brand ?

All. However, it depends now adays. Like KFC, it used to accumulate and deduct in the monthly statement but now they deduct on the spot. Others, I have not tried recently.

Outstanding RM969.78 need to charge RM43.23?? It's almost 4.5% .. gosh!

Yes of course. That's how credit card makes money ma.
And that is why I always pay off my credit card bills in full before the due date. Their interest charges are very high.

Currently holding the DA Mastercard Platinum, can I still apply for CIMB's Visa Signature ?

sure you can apply, call their Card Centres, if you are eligible for upgrade, you can collect the card on the same day you fax in your application.

You mean those CIMB Card Centres in Sunway Pyramid and Pavillion KL ?

question: what is the minimum spending for credit card at KFC? Wondering if i bought one 3-pieces chicken meal also allow to swipe my cc?

Forgot to highlight, the outstanding balance will be counted from transaction date, not from due date.