CIMB Bank Credit Cards v3

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Credit Cards CIMB Bank Credit Cards v3

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HeHeHunter	Jun 23 2015, 10:51 PM Return to original view \| Post #1
On my way Senior Member 664 posts Joined: Dec 2006	I want to ask, if I spend on groceries overseas using CIMB Cash Rebate card, will I receive 2% cash back?
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HeHeHunter	Jun 24 2015, 03:24 PM Return to original view \| Post #2
On my way Senior Member 664 posts Joined: Dec 2006	QUOTE(victorywp @ Jun 23 2015, 11:01 PM) yes, as long as the grocery place is under mcc 5411, 5422, or 5451. Let me try... currently in SG and going to shop for groceries. Maxed out my PB Signature cash back
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HeHeHunter	Oct 9 2015, 07:39 PM Return to original view \| Post #3
On my way Senior Member 664 posts Joined: Dec 2006	Please be vigilant and check your monthly statement. Out of nowhere I received FINANCE CHARGES despite having 0 outstanding.
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HeHeHunter	Oct 12 2015, 09:52 AM Return to original view \| Post #4
On my way Senior Member 664 posts Joined: Dec 2006	QUOTE(sundayteenz @ Oct 9 2015, 09:55 PM) i believe this is the part where we have to pay the outstanding according to the statement, and not deducting the cash rebates that was posted a day after statement date. If this is so, the finance charges shouldn't be that high. RM 30+ rebate amount can amount RM 18 finance charges? QUOTE(mamamia @ Oct 10 2015, 09:12 AM) Sometime the bank system catch as outstanding balance which u swipe before the payment due. Eg. Balance as at statement date: 1000 Ur dute date is 18 sep, n u pay rm950 on 15 sep after deduct the cash back. But u also swipe 50 within 29 aug -15 sep , ur outstanding balance at the time u pay is 50, so, they might count interest on 50 which u deducted.. it is system can't capture the cash back as payment.. U can lodge complaint n ask them to reverse the finance charge. It doesn't work that way. What you paid will contribute to statement amount, if not what's the purpose of CREDIT card?
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HeHeHunter	Oct 12 2015, 01:56 PM Return to original view \| Post #5
On my way Senior Member 664 posts Joined: Dec 2006	QUOTE(wan7075 @ Oct 12 2015, 11:39 AM) appreciate if you can update us what is the problem and result after you have called the cs. Received email today: CODE Having reviewed your credit card account, we noted that you have made payment before due date. But as payment was not in full, finance charges was imposed accordingly. However, we will submit your waiver request to our respective department for further action. We would advise you to remit payment as per statement to avoid unnecessary charges. So that means that you cannot use your cash back to offset your statement amount. But, the weird thing is that the finance charges is at RM 18.19 which translates to RM 1455+- spending with 1.25% per month finance charges RM 1280+- spending with 1.42% per month finance charges RM 1212+- spending with 1.5% per month finance charges none of my balance falls into that. Another thing to note is that my August statement, I paid amount after deducting cash rebate also don't have finance charges. This post has been edited by HeHeHunter: Oct 12 2015, 01:56 PM
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HeHeHunter	Oct 12 2015, 02:29 PM Return to original view \| Post #6
On my way Senior Member 664 posts Joined: Dec 2006	QUOTE(roy918 @ Oct 12 2015, 02:18 PM) Try read T&C and you will find something: Finance charges are calculated from transaction date if not settled in full, not statement date. A finance charge will be levied on your unpaid outstanding balance and all new transactions from the date the transactions are posted. But I have 0 outstanding balance. Still doesn't make sense here.
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HeHeHunter	Oct 14 2015, 01:40 PM Return to original view \| Post #7
On my way Senior Member 664 posts Joined: Dec 2006	QUOTE(David83 @ Oct 14 2015, 09:48 AM) This is a downgraded platinum card. Lowest requirement 'Platinum' card.
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HeHeHunter	Oct 14 2015, 05:41 PM Return to original view \| Post #8
On my way Senior Member 664 posts Joined: Dec 2006	QUOTE(janson_kaniaz @ Oct 14 2015, 05:10 PM) My application was denied when I applied though CIMBClicks but I'm not sure why. I own 3 signature cards so I don't think salary is the deciding factor. Yours approved? You applied 2 cards in the same period?
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