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Credit Cards CIMB Bank Credit Cards v4
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edwardccg
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 Mar 21 2016, 08:14 AM
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QUOTE(Jeffreynsx @ Mar 21 2016, 08:08 AM) If the petrol station decided to charge your CC twice for single petrol pump, would you feel worried? 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. |
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edwardccg
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Mar 21 2016, 08:21 AM
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QUOTE(sj0217 @ Mar 21 2016, 08:17 AM) Outside Petrol pump can now accept for Debit Card ?? Now cannot? I used to use Debit card (PBB Esso debit card) at pump in 2012 when I just started work, do not have creditcard yet. after the RM200, I then always preset RM50 per pump. Now using CC, dont event need to care the preset anymore |
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edwardccg
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Mar 21 2016, 10:13 AM
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QUOTE(victorywp @ Mar 21 2016, 09:27 AM) the preset you mentioned is the preset to fill the exact amount, not the preset to charge the exact amount. preset to charge the exact amount is the same like you go inside at the cashier, meaning that the exact amount is charged without withholding rm200 from your cc. from what i tried before, when preset to fill RM50, then insert card, it will only charge rm50 to your card. but i not sure what happen if you preset RM50 and fill only RM20 btw, is CIMB CR can be apply in KLCC branch for 1 hour approval? plan to apply this card after few months, just got 3 CC approve within 2016 = = This post has been edited by edwardccg: Mar 21 2016, 10:14 AM |
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edwardccg
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Mar 21 2016, 12:14 PM
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QUOTE(LostAndFound @ Mar 21 2016, 10:59 AM) If you preset RM50 and fill RM20 you donate RM30 to the next person pumping I guess =) don't dare to try If you already got 3 CC approve, chance of rejection is quite high. Because banks will see you as desparate, applying many cards. But no harm to apply anyway, the only cost is time. If got rejected need to wait another 6 month. I will wait for 2 more months, since my new salary package payslip will come in end of Mar, so I plan to apply it using new salary payslip for this CIMB CR  |
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edwardccg
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Mar 21 2016, 08:48 PM
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QUOTE(victorywp @ Mar 21 2016, 07:23 PM) so you sure shell and petronas also can preset the amount before insert cc? sorry, didn't try before. shell and petronas I saw the option, but never tried since I already have CC at the time, and have no concern on the RM200 petron/Esso one is confirmed, because I always use like that when using my PBB Esso Debit card for rebate. If you can preset first before insert CC, it should charge the present amount. If insert CC first, it should charge rm200 already. |
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edwardccg
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Mar 21 2016, 10:08 PM
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QUOTE(victorywp @ Mar 21 2016, 09:18 PM) i thought you have tried when you said shell and petronas also can do presetting. actually as far as i know, only petron can preset the amount before slotting your cc in. others all have to slot in cc before proceed. I see, Thanks for the information. |
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edwardccg
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Mar 26 2016, 12:52 PM
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Try for the 1 hour approval in KLCC but get rejected. Guess really is because my 3 new cc approve for jan,feb and mar. Maybe they unable to determine if i will make prompt payment for the 3 card?
Anyway, 3-4 month is it enough to apply again ? Or need to follow 6 month rule
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edwardccg
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Mar 26 2016, 07:39 PM
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QUOTE(Jeffreynsx @ Mar 26 2016, 06:35 PM) You apply so many CC for what purposes? Bank will reject for sure as normal people will not practice this way.  Because of recent revise of mbb point + watami gone.  QUOTE(lengzhai @ Mar 26 2016, 06:37 PM) Did you ask the reason? I applied 4 cards in two months got approved. No, i think apply in same month still ok since the banks might not know if you are applying other bank as well. I wonder if it will be reflect in ccris instantly. |
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edwardccg
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Mar 28 2016, 11:19 AM
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QUOTE(gastacopz @ Mar 28 2016, 11:09 AM) Just received a call from cimb officer for my application via cimbclick that got rejected for cimb cr. She told me its not rejected, but canceled due to late upload document, but, i actually waiting for the system to upload, then suddenly the application rejected. Applied again with her, with rm50 cashback. a few minutes later received email application rejected.so fast. called them whats wrong with my application, cs told me not meet the score.ask him whats the score, cant tell.. Straight away send email to bnm with template given earlier from other thread. is it credit score ?  |
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