WoW, nice advertisement?!?!?! nice card?!?! BEWARE!! Don't be cheated by the appearance and advertisement!!

Ok.
1st thing first, compare the statement between CIMB Debit card (above) and Maybank Debit card (below).





Notice anything strange??
Ya...CIMB won't show you where you swipe your card and just conveniently shows POS DEBIT...WTF....

And do notice 2 transaction RM20 and RM30 both conducted on the same time 00:03:33 on 17 June 2012...
How would that be possible? 2 transactions at 1 time? even same second.
Well, the 2 transaction are conducted on 12 June and 13 June respectively, but i don't know what takes CIMB so long to process it.
And EVERY transaction you conducted need to wait AT LEAST 3 working days for it to be reflected in your statement.
Before that, you only can notice your available balance being deducted without any statement for it.

And you can see that ALL TRANSACTION are being conducted in MIDNIGHT!! Whoa...sound creepy.....
Well, it's not the exact date and time i swipe the debit card, it's the time their system update the debit card statement and hence it became the time and date i swipe my card?!?!?!?!? COME ON!! what kind of logic is that??

CIMB should STOP advertising your debit card and LOOK INTO your debit card's such huge problem first!

Unlike Maybank debit card, which the amount swiped can be checked immediately via Maybank2u.
CIMB, you can't..

And this unfortunate happened to me at Carrefour Penang.
It happened on 14 June 2012 around 6.30pm.
I swipe my CIMB Debit card for my purchase at Carrefour Penang.
But i found out that carrefour over charge some item i bought after the cashier insert the card into the machine.
So i ask the cashier to remove the card from the machine without the approval slip being printed.
And after that i use another card to pay for the transaction because my CIMB Debit card had insufficient balance.
(I have not much amount left after swiping that transaction)

But after that i found out that my available balance in CIMB account has been deducted by that amount of transaction.
Called Carrefour and Carrefour call their merchant banker and denied they charge my card.
Called CIMB but CIMB insisted that Carrefour charge my card.
Carrefour ask me to produce the statement but i can't due to the abovementioned reason.
So i waited for the statement.
Till TODAY, from last Thursday to this Wednesday, i still yet to receive the statement.
But the amount in my savings account remain DEDUCTED.
Called CIMB, they in a tidak-apa manner told me if the transaction did not go thru, they will still HOLD the amount which will be refunded to me after 14 working days...

WHAT KIND OF BANK AND WHAT KIND OF DEBIT CARD IS THIS??
I WILL AVOID THIS BANK FOR THE REST OF MY LIFE!!!

The reason i share my incident here is for everyone to TAKE EXTRA PRECAUTION ON THIS IRRESPONSIBLE BANK!

This post has been edited by sjz: Jun 20 2012, 09:28 AM

that doesn't include maybank debit card..
their debit card reflect the amount being swiped immediately...
just the details of where the amount was being swiped few days later...

CIMB don't even show how much had been deducted from my account at all!!

---

Added on June 23, 2012, 9:43 pmtill now my available balance is still RM40 less than my account balance..
it's been more than 1 week and CIMB can't even give me a statement...
guess carrefour is innocent and the real culprit is CIMB!

had launched an official complain to Bank Negara Malaysia

This post has been edited by sjz: Jun 23 2012, 09:43 PM

no too.
t&c 4 to 12 weeks.
so probably till end Nov

This post has been edited by sjz: Oct 31 2021, 09:34 PM

Not stated?

Note :-
“Qualified Transactions” shall include all local and overseas retail spending, online purchases
and excludes the transactions that earn Cash Back / Cash Rebate under other on-going Cash
Back / Cash Rebate Campaign, auto-debit, recurring payments, payments for utilities, direct
marketing, insurance premiums, government related payments, payment via
www.pbebank.com and ATM, any refund, disputed, unauthorized or fraudulent retail
transactions, cash advance / cash withdrawal, quasi cash, casino transactions, interest
payments , annual fees, reversals, payment to charity (ies) any form of service and / or
miscellaneous fees.

This post has been edited by sjz: Jan 1 2022, 11:45 AM

yup.
it mean whatever not mentioned in excluded list is included.

actually for petron kiosk, you can select the amount to be pumped before insert the card.
so it will charge the exact amount for eg RM50 only instead of pre-auth RM200.
works for my pbb petron debit card

This post has been edited by sjz: Apr 12 2023, 08:55 AM

seem like time to salvage Bigpay apps back into our phone for the RM50 / RM1500 debit card promo

for BigPay, i think only safe to do it in the morning and not 12am.
as on and off they will hav this time zone issue if we do at 12am, the date would capture the previous day

yup. i avoid this round too due to duplicate campaign.
as my DC 12% campaign spend is on ShopeePay.



Tony must love you a lot

This post has been edited by sjz: Dec 4 2023, 09:20 AM

same campaign, will be combined.
same max cap as if 1 single card
for me, they giv the CB to petron visa even i spend using lifestyle visa

This post has been edited by sjz: Feb 29 2024, 07:48 PM

which bank are you using?

what a pain to see this

yup.
and the min spend RM120 and exclude utilities too, makes it harder

Yes, the maximum cashback you can earn is capped at RM40 per cardholder during the campaign period, subject to an overall campaign cap of RM2 million on a first-come, first-served basis

previously they got a nicer design, but not sure why they discontinued it and now all is using Cherry or some Football club design.

if you seldom withdraw cash, opt for NO debit card annual fee option,
first 4 ATM withdrawal is free per month, every subsequent withdrawal will be charged RM0.50/withdrawal.
the free quota refreshes every calender month

This post has been edited by sjz: Mar 20 2025, 10:02 AM

it's a very small amount of RM8, they will just waive it.

my case is branch change my option from free 4 withdrawal to RM8 annual fee and unlimited withdrawal on their own without my consent.

after complaint, they waive the RM8.

i think not many including me will take the hassle to walk into branch for RM8.
if online complaint can resolve, we will choose the online route

This post has been edited by sjz: Mar 21 2025, 09:20 AM

based on past experience.
usually how long will this CB quota last.
any chance still available today for May quota?

yes. diff bank diff rate.
for eg CIMB charge way more higher, RM15 annual fee for their DC

This post has been edited by sjz: Jun 1 2025, 11:03 AM