I have an unauthorized transaction of RM500 from paypal Sony.
Sony already refund me the RM500.
But too bad the transaction of debiting RM500 fall before my statement date and the refund fall after my statement date.

This end up I have extra rm500 in my statement balance and refund of RM500 in my unbilled transaction.
I don't need to pay that RM500 in this case, right?

This post has been edited by edwardccg: Apr 21 2016, 12:52 PM

dont have to pay. if i'm not mistaken, uob is not too strict on this.

same happen to my Vox. wrongly-charged amount is in current statement, but the refund amount is in unbilled.


i just pay whatever outstanding. so far, no finance charge.


CIMB however must die-die pay statement balance, else kena charge.

This post has been edited by cybpsych: Apr 21 2016, 01:58 PM

I'm not so sure about that.

I have been paying the difference rather than the statement amount but never got penalized for underpayment. Was I lucky or what?


Attached thumbnail(s)

my idea is the same. that's why i only paid the difference. just be mindful on cimb

but the stmt I posted above IS CIMB

which bank? I have experience with Maybank. They would advise you to pay. I didnt. they reversed any charges incurred later on.

This post has been edited by Human Nature: Apr 21 2016, 04:22 PM

should've stated it earlier, right? lol

well, some users got slapped with finance charge due to this perhaps due to specific condition only it's charged

I thought the picture is self explanatory... it has 'CIMB REBATE...' in there mah.

obviously i didnt open your attachment lo

mine is UOB vox as well. Good to hear that there is no charge in the similar condition.
Thanks a lot!

UOB VOX to be specific. I will just pay the outstanding. If there are any charges, i believe can call CS to adjust it.

I didnt open it but can still see the word "CIMB"...Obviously you didnt even look at the attachment

To put in correctly, CS will capture the transaction in dispute and pass it on to another dept to make the correction.
CS does not have the authority to make direct amendments to numbers connected to your credit card account. This is part of any banks internal security control and it'll be a disaster in the making if CS is able to do so.

That's why there will always be a delay (expect a few days) in the updates (if the complaint is valid) and the time that the card holder calls in.

This post has been edited by hye: Apr 21 2016, 09:01 PM

I don't like cimb but since I don't know if my uob vox is approved or not, I gotta keep cimb for another 2 months. I have been paying outstanding a few months, then suddenly got charged finance charge for my february statement.

Complained, they reversed the finance charge. CS say maybe cause I didn't clear statement balance. But seems like you are doing that and still fine.

u use CIMB mostly for online transactions ?

Yup. about 95%.

Mastercard contactless >>> Paypass
Visa Contactless >>>> Paywave

ur first question: for now, No is the answer. Actually the POS terminal contactless could accept any type of NFC payment.

2nd question : Mastercard paypass terminal - i saw it at tesco ampang.

and all bhp stations that accept cc at the pump (due to affin cc).

Guys,

I need your advise.

I have m2c about 2months. suddenly, I realize this card not interesting anymore.

If i terminate this card, do i have big chance to get the new card/application approved?

Applied, CIMB Cash Rebate, rejected.

Thinking to apply UOB Vox & HL Wise.

Please advise.

Thanks.

Are you new to credit cards?
If yes, then you probably want to keep these cards and build up your credit histories for a year or so before apply other credit cards.

No.
Before m2c, i used Citibank, MBF, Aeon, Cimb, Bank Islam, and Rhb.

Thanks.