Simple answer, if you swipe for RM500 make sure you pay the full statement amount on time (within 20 days grace period after statement date).

Otherwise you're giving free money to the bank.

The finance charge will apply to the RM250 AND whatever other outstanding amount you have. And yes it will affect your CCRIS as you are seen as not able to service your debt.

Once again, don't do it. CC is for convenience and benefits. If you find yourself unable to pay, cut it immediately and stop spending until you've paid back your debts. Unless you HAVE TO to save your life or family member's life etc...

yes, correct. you got it right.

for your question in the last sentence, it will only reflect you as a non good paymaster in ccris, if you only pay lesser than the minimum amount. as for your example paying rm250 out of rm500 is already above the minimum amount, so your ccris will not be affected.

however, as mentioned above, unless you really need money for this month due to certain events, you may temporary do so. but if you are going to do this kind of payment pattern for long term, you will surely ended up with more and more debts later on, which will be bad for you.

Thanks for the clarification guys. No, this is not for a long term. As the raya is just around the corner, i might, might spending a bit more than usual hence come the question. Else I will be using the card for petrol and bill payment, etc to get some cashback, thats it. So far i use card for petrol, the night or tomorow I already pay the amount used into the card before the post date.

No need to pay right away because you are not utilizing the free 20-day interest period. Just pay statement balance in full by due date, then you will be OK.

means for existing cimb customer? how about those do not have cimb click?

Seems to have changed on cimb clicks...either way I'm not sure if this promo actually works...probably will only find out when credit card statement comes

If one swipes 1 day after statement date, the interest-free period will be around 50 days

This post has been edited by kelvinlzy: Jun 26 2016, 04:17 PM

I always do this for big planned purchases.

I compare the two card CIMB Cash Rebate Platinum MasterCard , CIMB Visa Platinum & CIMB Platinum MasterCard

visa platinum can earn point rm1 = 1point
but the cash rebate platinum din mention how the point earn

anybody know ......

You wouldn't be able to earn any points with Cash Rebate MC as you will be getting cash back with transaction.

I'm not clear on this. 20 days interest free period is after statement date? And after this 20 days it is due date?

Yes, 20 days from statement date.

20 days interest free period counting from your statement date not your transaction date. to be exact, the 20th day is your due date.

may i know where is the standing instruction stated in order to get CB when making bill payment ? through cimb clicks ?

ic .....
by the way ~ i already applied online for the cash rebate cc .... but rejected ....
checked previous post others also met this issues.....
want email them c got chance or not lol

How long will we know the approval or rejection of the CC which applied online in CIMB website?

a friend of mine applied online but the rejection quite instantaneous. so if it taking some time I am guessing it might get approved soon. cheers.

This post has been edited by anarchy2cruo: Jun 28 2016, 09:50 AM

I applied Cash rebate platinum since 1month ago...I think shud be rejected... that time i don't know my salary sgd cant convert to mys ringgit for credit card application one...... i definitely can't meet 60k per annum income.

CIMB CR Plat only needs 24k per annum and not 60k, unless they changed again.
When I applied it was 60k then reduced to 24k and Gold no longer available.