Statement balance amount, the one without cash rebate. Other banks allow you to deduct the cash back before payment but it seems CIMB doesn't allow and will impose penalty to cardholders. There were a few forummers shared abouf this earlier.

Just pay full as per Statement Balance to avoid complication of being charged for interest.

Cash rebate will be credited in the next statement and will not be regarded as payment or advanced payment to offset the current statement balance as per forumer feedback.

Yea.. I always do that for other credit card..

But what they charged are the credit plus shield lolx.. Im trying to avoid getting the charges though which occurs on 28th of every month, they do not have a buffer/grace period like given extra one day..

I signed up this credit shield for other card, but I nvr even once getting charged for that bcos I always remember to pay on 1st or 2nd of every month..

This is the reason why I am saying I have a very bad experience with the bank itself.. Hahaha.. But its purely my own opinion.. Others might are enjoying paying the credit shield charges happily.. I dunno..

Cheers 

That is pretty much depending on the merchant....some merchant submit fast, while others tend to hold for a day or two (two being very unlikely)...even online payment...most will hold for 1 day at least , while some submit on the same day

My lazada purchase i made at 10am on 29th still not posted in CIMB, while 11street purchase on 30th I already able to see the outstanding amount in CIMclicks today

guys, mostly u guy follow cimbclicks credit card section due date to pay outstanding which is show every 17th or 28th?

it's OK now.

So... for the past many months i've been paying outstanding balance (i.e. AFTER the cash rebate). However for the month of January, i've been charged finance charges for not paying the full statement balance.



Oh well, other forummers beware... stick to paying statement balance

it's common for all banks.

Through out my experience, I have not seen the RM 200 posted on my transactions, just that my credit limit is reduced.

it's not a transaction and there's no floating amount. they will just temporarily block a rm200 from your credit limit. as mentioned, it's just a pre-authorisation for you to be able to fill in petrol. the finalised transaction will only occur after you put the nozzle back.

if you really worry about this, next time use petron instead. so far only petron able to preset the amount you want to fill, before you slot in your cc for payment. in this case, only the preset amount will be charged to your cc and there will be no pre-authorisation involved.

why dont you call CS to ask which amount is actually charged to your card? if too paranoid, keep calling them every single day, to monitor the activities.

why are you so worried about the rm200 preauthorization? unless you're planning to do some suspicious petrol purchases, general ppl who pump petrol has no worries about this matter. 

Don't worry, as long as you got a printed receipt from petrol pump. thats all for a single transaction.
RM200 is amount charged to ensure you have enough credit limit to pay for the pump, if you are using debit card, you will also get this RM200 being reserved until it posted.
You can always using "preset" option to charge exact amount on pump, I know petron, shell and petronas has this option, didnt try others.

Swipe inside counter => charged immediate amount.

Swipe at pump => 200 ringgit authorization.

Quite impossible for petrol station to charge your card twice.

Because once you put the pump back into the machine, the transaction was captured and an invoice issued.

Keep calling them since this evening but they said system still down or in maintenance. Sigh.

u mean u still haven't got it reversed after the transaction being posted? strange ....

Erm, are you going to use that RM 200? It will be reversed back eventually la. Not like the floating amount is posted on your bill, you won't be asked to pay for it.