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Credit Cards CIMB Bank Credit Cards v5

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lilsunflower
post Sep 30 2016, 03:39 PM

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QUOTE(fruitie @ Sep 30 2016, 03:34 PM)
I don't have super huge spending every month and I'm trying to reduce it. One of the ways is to cut down my cards, so if banks reduce benefits, it could be a good thing for me. laugh.gif

Anyway, I will apply another one supp to make it 2+1. Already got confirmation from my dad. I assume no age limit for supplementary right? He is 68 now.
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My bro has for my dad - born in 1951 so around same age as yours. Shouldn't be a problem.
lilsunflower
post Sep 30 2016, 07:06 PM

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QUOTE(mamamia @ Sep 30 2016, 06:46 PM)
Which bank?
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The one with the VS?
lilsunflower
post Oct 5 2016, 08:02 AM

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QUOTE(arthur88 @ Oct 4 2016, 11:10 PM)
guys, the branch in 1 utama got services like 1-hour approval?
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QUOTE(sj0217 @ Oct 5 2016, 07:40 AM)
There has a branch in 1 Utama ?? hmm.gif
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No branch in 1U. Maybe you mean Mid Valley?
lilsunflower
post Oct 10 2016, 03:30 PM

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QUOTE(kevyeoh @ Oct 10 2016, 02:19 PM)
just an update on the supp card application via email, is it a standard operating procedure from CIMB to delay/ignore application? Luckily forumers here got help advise to send follow up email, this is the reply i get:
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When did you send in your applications?

I sent mine on 30 September (for 2 more supp cards), but no response yet. After reading your post, decided to send a follow up e-mail.

They are pretty bad huh?
lilsunflower
post Oct 10 2016, 09:04 PM

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QUOTE(fruitie @ Oct 10 2016, 09:00 PM)
Yes, I sent to both address from the beginning. You can try only the cardcentre email address but no harm in adding another one address. smile.gif
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Yes I emailed both as well because of my first experience where they didn't respond to my application. This is my second round of applying for supp cards now that someone here posted can apply for more than 2.
lilsunflower
post Oct 11 2016, 12:07 AM

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QUOTE(iXora.ix @ Oct 10 2016, 09:28 PM)
i see. Thats really generous. So after this I dont have to fight with my supp(my bro) how many CR he is earn since its separate  account but using same CL  sweat.gif
before this we need to manually calculate and separate the CR  laugh.gif
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I know what you mean! I supped my Maybank VS to all my siblings so they could help me achieve annual spending. Such a headache to identify each line item every month. But with cimb cr, it's so easy. Plus, principal can view all the supp cards online and in one statement. Very very generous.

I'm not sure if my 2 additional supps will be approved since I already have 2, but if they are, then I can potentially get back Rm150 per month from my 1 principal plus 4 supp. Not bad for entry level card.
lilsunflower
post Oct 11 2016, 12:25 AM

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QUOTE(fruitie @ Oct 11 2016, 12:16 AM)
Don't mind me asking, are you paying anything for your company or anything? Your expenses seem high in every thread you are active at. tongue.gif
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No, not company expenses but lots of claimable allowances and perks (car running costs, medical, professional subscriptions, mobile, travel etc). My husband also gets a lot of expat benefits, which we pay for first and claim later. Generally, kids' education, family insurance, condo management fees, DBKL etc for investment properties are very very high (luckily can pay using CC). But I view these as long term investments and hence worth paying for.

My personal household expenses on the other hand are low. TNB only Rm250 max per month for whole house, and we don't eat out. I try to keep non-essential expenditure to the minimum, and save and invest as much of disposable income as possible. Which explains my cashback obsession rclxm9.gif

This post has been edited by lilsunflower: Oct 11 2016, 12:27 AM
lilsunflower
post Oct 11 2016, 12:37 AM

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QUOTE(fruitie @ Oct 11 2016, 12:28 AM)
laugh.gif Good for you, my company's perks and benefits all cannot be paid from our own pocket. All will be prepaid by company to reduce risk of corruption and conflict of interest. laugh.gif
Now I got it... That's why you need so many cards. sweat.gif

I'm only single and I have been trying to control on my expenses to reduce my cash back obsession.

I think I will keep to 1 principal + 1 supp for CIMB CR. tongue.gif
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Wow, that's quite strict. Mine can claim up to max limit, so I guess that is how they control corruption because the total cost is already factored in. If we don't utilise, it's burnt.

Hehe. When I was single 1 CC sufficient for me. Using PBB VS plus CIMB CR definitely can cover all my needs.

On a CIMB CR and supps related note. I found that best way of paying supp cards every month is to pay total to principal and then call CS to do transfer. Takes only 1-2 days and no need to pay multiple IBG fee. I did this last month and found it so much easier.


lilsunflower
post Oct 11 2016, 12:45 AM

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QUOTE(fruitie @ Oct 11 2016, 12:40 AM)
Yes, for some benefits I will pay and claim later. Like optical, health screening. tongue.gif However, all business trips like flight and hotels will be prepaid by company and we are all supplied with a corporate credit card to pay for our business expenses.

Anyway, I think by paying RM 0.11 is easier than calling CS, no?
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I'll do anything to save 11 cents haha. Plus, for 4 supp cards, it's 44. And of course I use office landline to call while cimb kindly puts me on hold.

Also paranoid about incorrectly transferring money now got so many principals and supps across various banks.
lilsunflower
post Oct 13 2016, 09:16 AM

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QUOTE(nonameface @ Oct 13 2016, 09:02 AM)
say a person has difficulty getting a CC due to ptptn. would it be easier if he goes to sign up at fiesta itself?
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Unlikely. Still has to go through same approval process regardless of sign up mode or event.
lilsunflower
post Oct 13 2016, 10:16 AM

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QUOTE(nonameface @ Oct 13 2016, 09:59 AM)
i see.. coz the fiesta brochure stated same day card issuance for new cc sign up. meaning, i'd get to know whether approved or rejected on the day i sign up eh? or actually must wait few days?
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If they say same day approval, then that's what they mean i.e. they will submit your application through the approval process and tell you the outcome.

However, it doesn't mean that you WILL be approved. Just that outcome is faster.
lilsunflower
post Oct 13 2016, 11:33 PM

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I applied for 2 more CIMB CR supps on 30 September via email to card centre, but until now not processed. I called CS today and the applications have been received.

I remember there were a few others who applied at similar time. How has progress been? Anything showing up in your CIMB clicks?
lilsunflower
post Oct 13 2016, 11:43 PM

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QUOTE(iXora.ix @ Oct 13 2016, 11:40 PM)
Me too. Apply on saturday and got receive email said my application is receive on monday. Should I give a call? hmm.gif
Macam maybank, if the supp application success, supp can see the card number on their m2u
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When I called, CS told me that may take 2 more weeks (not guaranteed) to process. But at least they got my application details in the system. Very very slow compared to other banks! Maybe you should call just to check its in the system. Based on my past experience, I don't really trust them!
lilsunflower
post Oct 14 2016, 11:07 PM

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QUOTE(fruitie @ Oct 14 2016, 02:54 PM)
Drop them an email to follow up, rather than calling them to check status.
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They have a habit of ignoring emails too haha. I had to send 3 follow ups to get a response the first time I applied.
lilsunflower
post Oct 15 2016, 11:28 PM

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QUOTE(vez @ Oct 15 2016, 11:20 PM)
is the CIMB tesco card or petronas one better? CIMB offer me either one together with CR Plat
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QUOTE(fruitie @ Oct 15 2016, 11:24 PM)
Neither.
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Agreed. They always give these extra cards, probably because not enough applications. They sent me the Petronas automatically... I called them to cancel immediately.
lilsunflower
post Oct 19 2016, 08:17 PM

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Just wanted to confirm that my supplementary card applications were approved. Now have 4 supplementary under my CIMB CR. Took a long time and haven't received yet, but can see on my CIMB clicks. Hope I receive them before the 28th!
lilsunflower
post Oct 19 2016, 09:05 PM

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QUOTE(fruitie @ Oct 19 2016, 08:41 PM)
Good. That means can get 4 supp, is 4 the max?
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No idea. But I don't have so many family members to apply for anymore haha.

QUOTE(drbone @ Oct 19 2016, 08:53 PM)
If I'm not mistaken the cash back for this card is separate for each one isn't it ?
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Yes, separate CB
lilsunflower
post Oct 20 2016, 10:28 PM

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QUOTE(iXora.ix @ Oct 19 2016, 10:56 PM)
Woah so 'fast'. My supp still under process ( as they having some sort of email issue). Btw how you check the supp card being approve? Under your priciple cimbclick acc?
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Received one of my supp cards via Pos Laju mail drop in post box today. Other card not yet received although applied at same time and both showing in cimb clicks. Strange thing is that last 4 digits differ by 500+. Does that mean 500 cards issued in between?
lilsunflower
post Oct 20 2016, 11:22 PM

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QUOTE(iXora.ix @ Oct 20 2016, 10:50 PM)
Thats good. Which my supp can manage their own acc. The purpose they doing that is to prevent miss press account number. Just like bank account number. SOmetimes you got 5000 digit different from your family. Its their unique generate number rclxms.gif
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Ah, thanks for clarifying. Didn't know that smile.gif
lilsunflower
post Oct 25 2016, 12:56 AM

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QUOTE(zeonczk @ Oct 24 2016, 10:50 PM)
ok.. gotta contact the merchants than..
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Do you have AEON cc? Reading through your questions, it may be worthwhile applying for AEON CC and using it to pay for flights and bills, then using CIMB CR to pay your AEON CC through Pos Online. Can apply for supplementary cards if the RM 600 online limit is insufficient. When I'm in need of extra limit, I just ask my supps to help me. I've got 4 supps, so always got back up.

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