They're afraid of getting scolded by you and most agents and even supervisors in contact centres don't know the concept much less how to actually make the calculations. The concept is as follows:

Since you did not pay in full by the due date, you lose the 20 days interest-free benefit for all transactions shown for statement date 28 August so you'll be charged interest for the following:

1. All transactions listed on statement dated 28 August
2. All transactions listed on statement dated 28 September
3. Additional finance charges up to the due date for statement dated 28 September to avoid the situation of not being able to zero the statement balance despite paying the statement balance in full before or on due date

Due to the daily compounding interest nature for conventional credit cards, even small carry forward balances can add up much faster than the advertised 1.5% per month rate.

Wow, they called me back and tell me all the nonsense like they are charging 1.25% interest per month on whatever amounts that i spent after the short (not 1.25% on the amount that i short!). I haven't heard of this before and ask them to show me the calculations and they told me it's too complicated to calculate but they will send me the formula and asking me to do my own calculation. This is really stupid! A bank with state of the art facility not able to justify and share with the customer on how they derived the RM6.43 late charges? After i raised my voice, they promised to get their finance department to recalculate and share with me the calculation formula by the next 3 working days, the earliest

just ask for waiver.. and pay statement balance next time...me already kena 1st month of usage...now insafed...

lucky they waived

I believe charymsylyn already explained earlier.

Other Topic:
I just got my CIMB Cash Rebate Credit Card. I have used it for few purchasing but i notice i didn't receive SMS alert for some transactions (to my 010 number). What shall i do to ensure receiving every SMS alert of transaction? Why this can be happened?

Call CS to activate SMS trigger.

Hello all Sifus, I have a question on paying AEON credit card using POSOnline.

I made a payment to AEON via POSOnline. The transaction is captured in the statement, but I didn't see the rebate coming in. Does it reflect on the same month or the coming month ya?



Attached thumbnail(s)

Check ur unbilled transaction, should have posted after 25 Sep

It's in your recent transaction. Dated 29th September.

Use up my cimb principle and supp online quota = =
Btw, i notice online purchase TAC was not send using sms, it is a pop up display on my phone, so there is no record in my sms.

Is there anyway to change this behavior?

just request another tac...then it's gonna be sms

How do apply supplement card?
Any promotions?

Just fill in the form in online and send via email.
No promotion.

I applied my CC last weekend, i wonder how long does it takes to get confirmation. And how do i know if i am approved.

Give them about 2 weeks. They will send SMS or you can always check by calling CS.


On another hand, I wonder CIMB's server follows which time zone? Earlier I made PosOnline payment around 3.00 a.m., and the transaction date was accurate. This time I paid on 29th's 2.28 a.m., it shows one day earlier... Luckily posting date is after 28th, which means it will take up new month's quota.

That's why POSONLINE trans is not suitable for time sensitive promo. Been brought to Holland a couple of times.

Can i check with the girl that i sign up with?? dun wanna seem despo.. hahaha

Check via CS will be better as she has to check with the team as well.

// RM0.00 CIMB: Get RM50 PETRONAS gift card @ RM1 when you redeem/ purchase min RM200 cash vouchers @CIMB FIESTA, 14-16 Oct. Info cimbbank.com.my/fiesta T&C apply //

Hi guys,

so i paid for online shopping using paypal cimb last time.

Amount 53.83
CIMB charged me 54.26

Ask them, why got different amount, they told me coz the paypal terminal in overseas, hence the charges is more.

Is it normal?

Never happened to me before with other CC e.g VOX or Maybank

Thanks..