ask here

https://forum.lowyat.net/topic/3644347

20 days of free interest period applies to WHOLE statement amount, not just particular transaction.

it doesnt matter what/where you swipe.


make it simpler: ALWAYS pay your STATEMENT BALANCE on/before Payment Due Date.

why dont you check your remaining credit limit? if system already captured your payment, then your credit limit will be increased back.

very likely, cuz 0.8% x RM75 = RM0.60

This post has been edited by cybpsych: May 5 2016, 09:35 AM

my simplified view of this.

if u have house loan, that is a commitment (to you) but a risk (to bank).

bank may limit cc cl to reduce their risk exposure (i.e. whether you CAN repay the cc outstanding if you MAX out the CL).

they do consider all your financial risks, e.g. house loan, hire purchase, all your CCs, before giving you an acceptable level of CL for your new card, if approved. if bank is not comfortable with you, of course outright reject.

do note that each bank has different formula to assess your financial health or capability to service any credit facilities.

you can have Premier card from Bank A, but may not get approved for Platinum card from Bank B

here https://ebayar.mpkj.gov.my/sso/serverpages/Members/Main.aspx

i actually didnt know the mpkj link either. my friend wanted to pay, so i offer to use my cimb cr

no yes estatement to your email.

yes estatement download from cimbclicks

instructions here https://www.cimbclicks.com.my/IBeStatement.html

This post has been edited by cybpsych: May 9 2016, 08:14 PM

oh yah, correction. i got confused

interesting.

i just called CS. he said for CIMB CR, the statement date is fixed due to cashback calculation is fixed to 28th

then, i claimed someone got a new card with statement date on 3rd. he was curious too, but he can try to put in my request to change statement date to 3rd. now, let's see if it's possible.

i suspect they can only fix the statement for new card, not ad-hoc request for existing.

well, if they cant change 28th, for sure they cant change 3rd as well

what is "lhdn wed"?

did u search this topic for LHDN?

usually 1+week after approval.

why eager to use this weekend? any special promo?

just curious, where u intend to buy? online channels? or brick-and-mortar stores?

for online, this card is ok. try UOB VOX too.

for hypermarket, try MBB Ikhwan, or if you feel challenging, get HLB Wise.

this is his 1st card, I wouldn't recommend pbb vs for now.

didn't read the t&c?

the balance rm20 for other categories.

double-checking on Zalora Web purchases using CIMB CR.

1) Did you get OTP sms? i didnt get any, but receive transaction confirmation SMS. Dont know qualified as Online or not

2) Merchant name displayed in SMS is JADE ESERVICES M SDN BHD ?

3) No cross border fee, i suppose since it didnt go thru oversea payment gateway.

thanks. most likely sms and cc merchant name could be different. willl check the unbilled transaction in cimbclicks after few more days

cimb cs agent called back. said already escalated my request to change statement date to higher level to review my case, answer: not possible to change.

i argued a "friend" with new cimb cr card can be assigned to 3rd for statement date. he asked me to give card number or NRIC to verify. obviously i cant give him to check, with or without consent la

well, not bother to nag since rarely use it after gotten UOB VOX or PBB VS.

fly126 is correct.

i've used CIMB CR for the following:

1) JOMpay (insurance payment)
2) Hallmark gift shop
3) Electrical shop (bought air cooler)
4) Hair product outlet
5) Tyre shop (car battery)
6) Eu Yan Sang outlet

All gotten 0.2% Retail cashback.

card feature http://www.cimbbank.com.my/content/dam/cim...5)%20upload.pdf