I got the reply from CIMB bank and they CC the email to BNM. Basically CIMB is going to charge us. Nothing special
I also call the lawyer that helped me to prepare the loan agreement, she said that we could not do anything if CIMB insist to charge us. She also worry that other bank might follow CIMB for the charges   .

This f**king kind solutions from the letter by CIMB

--QUOTE--
Having explained the above, if your utilization rate is below 70% and in order to avoid the flexi charge, we have made available the following options for your consideration:
1. You may reduce your drawing limit by writing to us officially.The Bank may allow the reinstatement of your prevailing drawing limit should you require to redraw the funds in the future. This way, you will not only continue to enjoy interest savings, but also have the comfort of redrawing your excess funds without incurring any additional charges.
2. You may also choose to withdraw the excess payment. For further information you may contact our Call Centre at 1 300 880 900. Our dedicated representatives will be happy to assist you through on our exciting deposit and wealth management products available for you.

We trust the above clarifies and we appreciate on your continuous support and understanding.

--UNQUOTE--

I only can say F*** CIMB for the continuous support and understanding       . Still thinking of cheat my money for the deposit and so call Wealth Management products. Those products only help CIMB get their wealth not us.