CIMB customer service sucks, issues forever cannot settle. i have dealt with them in the past few weeks, i feel that they are very slow in handling complaints and zero knowledge (not knowing how to reply).

For example
Yesterday i have explained to them why i don't agree on their cash rebate calculation.  Today they replied

'We believe that our Card Centre has replied to your inquiry on 28 October 2013 in regards to calculation on Rebate entitlement & attached the calculation on how they derived the rebate.

Since there is no justification to award you with the 5% or 20% rebate on Airlines Online Booking (MCC 3000-3299,4511) combined capped at RM50 per month as alleged, we regret  to inform that we are unable to accommodate to your request accordingly. '

then i replied

'Do you understand English? Did you read the T&C thoroughly before replying me?  I have clearly stated my basis of justification and even attached the T&C for your reference.

E-commerce 5% rebate does not specifically exclude MCC 5968, why cant i claim 5% rebate on this online transaction?

Am i clear?  Do i need to repeat in BM so that you can understand better?'

you can try to bear with them, if you can't, BNM is the way to go.  i don't even want to talk to them on the phone since there is no black and white, i prefer to communicate through email so that i will have evidence to protect myself