it's called Flash SMS.

u know u already posted in the wrong topic, why dont you search for CIMB topic instead?

bump you back to proper topic.

yes, can pay Astro.

but the rm10 voucher can only be used for retail purchases. not for pay bills or TNG reload.

nu sentral is better for PJ ppl. drive thru federal highway, pass by mid valley, head to kl sentral. simple drive.

call cs.

also, which T&Cs did you read for the card. <-- i'm asking this on purpose.

ok CIMB cashback already credited.


Confirmed 5% Online Cashback:

● IWK bill payment via POSonline
● Pizza Hut Online Delivery


Confirmed 0.2% Retail Cashback:

● JomPAY

highlighted blue: this is normal, they charge on statement date, which is 28th. similar to BT also, it get charged on statement date. what's wrong with that? since you already agreed to sign up that credit Plus shield, it's your right to understand the T&Cs of it, including when it get charged, etc etc, right?

highlighted red: what do you mean by "squeeze in to fit into 28th" for your transactions on 25, 26, 27, or 28? isnt that how it works on statement billing? since the statement cutoff is 28th, any transctions posted on last 29th until current 28th will all be "billed/charged" to your current 28th statement. there's nothing to squeeze. this is like a postpaid billing, "use first, pay later".

the problem i see is you're not used to CIMB's statement on 28th, whereas your other cards is on early of the month.

This post has been edited by cybpsych: Dec 31 2015, 11:35 AM

i always pay statement amount AFTER statement date, just so that i dont screw up the amount to be paid

furthremore, i always utlize the 20days grace period (after statement date), so the amount i need to IBG/IBFT will never be wrong (unless i got weird fingers hitting extra/less digit )

cheers!

dont know. login and try.

disadvantage of using POSonline: need at least RM50 and 2% Convenience Fee Charges (with 6% GST on top of it) for using credit card.

not really worth it unless no other options.

should haved cb cuz cimb treats posonline as ecomm site

i paid iwk via posonline, gotten cb liao.

anyone have bravely tried to find out the SAFE "grace period" (wont kena late payment penalty & finance charge) of cc bill payment AFTER due date?

e.g. CIMB CR due date @ 4 Jan (example). Is it safe to pay the bill +1 day? +2 days? so on...

thanks.

i was thinking +1 day, cuz my payment due date is on Sunday

1) no, cuz you didnt spend anything before 28-Dec (bill date). look at "statement balance", RM0.00 right?

2) correct, any transactions posted >28 Dec and by 28 Jan, shall be consolidated as "monthly" transaction statement on 28 Jan. Your payment due date shall be 17 Feb (+20 days grace period after statement date on 28 Jan <--- this is your final final payment date.)

3) depends on the posting by the merchant/bank. usually +1 to +2 days. sometimes longer. if you transacted yesterday 9 Jan, probably posted on 10 Jan, then you would see it in cimbclicks on 11 Jan. FYI cimbclicks always +1 day after posting, cuz cimbclicks refreshes the acccount transactions on daily basis (midnight), not realtime.

4) yes, usually online transactions already going thru the CIMB's Secure ePay Code/TAC to your mobile. most banks suppresses the sms alert (redundant, cuz Secure ePay Code/TAC direct to your mobile is acceptably secure and that you are the original card owner to receive the code and verify the online transaction).

i can only confirm IWK via POSonline (inclusive of 2% convenience fee for using credit card). gotten 5% cashback from CIMB CR.

i might wanna try SYABAS cuz i pay in cash due to small amount each month

i think anything goes thru POSonline is eCom for CIMB CR.

missed out IBG yesterday from M2U --> CIMB CR payment

no use IBG today, and IBFT now chargeable

gonna IBG on Monday instead, see see will get hit by late payment fee

not worth the trip, i might as well use IBFT.

thanks for the suggestion

p/s: i actually wanted to test the late payment fee if +1 day late since it's waivable, no harm. it's fairly new card anyway.

This post has been edited by cybpsych: Jan 16 2016, 08:34 AM

IFBT works everyday, including PH

always the best to call CS first, before asking here.

also, ask to subscribe eBill/eStatement to your email. super convenient.

update.

Payment Due Date on Sunday (17 Jan).
IBG from M2U on Monday (18 Jan) morning, credited in CIMB CR card same day afternoon.
No Late Payment Fee charged as of today (19 Jan)

I did call CS before IBG, agent said they have 1-2 days grace period. If kena late payment fee, she advised to call in for waiver. Not dare to test +2 yet, +1 is good enough.