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Credit Cards CIMB Bank Credit Cards v5

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fruitie
post Jul 23 2016, 04:45 PM

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QUOTE(Left4Dead2 @ Jul 23 2016, 04:10 PM)
No bro, I'm clean. They should have state the reason or call me for any short fall
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Banks most of the time will not disclose the reason(s).
fruitie
post Jul 25 2016, 11:25 AM

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QUOTE(CP88 @ Jul 25 2016, 11:22 AM)
What do you mean by repeat the same bill#?

There is a barcode at the bottom of the bil... The format as below:-

xxxxxxxxxxxxxx (14 digit no Akaun) xxxxxxxx ( 8 digit no bill/invoice)

Are you referring to the one (8 digit in RED) above? Thanks
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Bill no. can simply fill in and I have been using it the same since months ago and for all TNB bills.
The important thing is the account no.
fruitie
post Jul 25 2016, 11:34 AM

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QUOTE(CP88 @ Jul 25 2016, 11:30 AM)
Alright. Thanks for the clarification. Just double confirm as I don't want the electricity to cut off.  laugh.gif

Anyway, I'd presume you used uob payonline?
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Yes, UOBPayOnline but there is no benefit paying with CIMB CR, if you plan to use it since this is a CIMB thread. smile.gif
fruitie
post Jul 25 2016, 12:04 PM

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QUOTE(-Nos- @ Jul 25 2016, 11:53 AM)
No cash back for CR Platinum for TNB via uobpayonline?

Sorry, need to clarify cause it's not mention in the first page.
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Nope, not entitled. Unless 0.2% cash back is OK for you. laugh.gif

QUOTE(milque @ Jul 25 2016, 11:57 AM)
Ugh, really pissed with CIMB now.

Applied for CMB CR last week through CIMBClicks, immediately kena reject. So okay fine, was considering other cards or even trying to apply at CIMB branch to get that 1 hour approval.

Then today got called by CS about my application, as if it's still processing. She listed my details out to me for me to confirm, read me the T&C of the application, and told me she will send email with requirements that they need from me... pay slip, bank statement etc.

Then when she hung up immediately I got an email saying my application was unsuccessful again! Why didn't she just tell me that in the first place instead of wasting my time for me to confirm my application details.  mad.gif

I got no loans, no bad credit, and this would be my first CC. I definitely meet the min requirements.

So what should I do now? Try to go to a branch apply and get 1 hour approval? Wait a few months to try again? Or drop CIMB and try other banks instead? With first experience like this to apply CC it's left bad taste in my mouth tbh  puke.gif

Sorry for the rant.
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You will still be rejected if you apply again now. Why don't just wait till it cool off and reapply again later, say 6 months later? Or you can try other banks.
Just checking if you have any PTPTN loan?
fruitie
post Jul 25 2016, 04:39 PM

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QUOTE(ronnie @ Jul 25 2016, 03:58 PM)
System allow doesn't mean it's the right number to "repeat".
If you have the bill, use the correct invoice no. (aka Bill Number) which you are paying for. It eases the reconciliation process later by their back-end team.
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Well, I don't have and always bill is not with me or sometimes I don't even have the visibility, I checked from online.
Sorry to say, this part I cannot accommodate and moreover I already saved it as favourite. I can't be editing every month for all different TNB bills I have been paying.

Other things I can but not this.

This post has been edited by fruitie: Jul 25 2016, 04:40 PM
fruitie
post Jul 25 2016, 07:18 PM

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QUOTE(mamamia @ Jul 25 2016, 07:14 PM)
UOB Payonline save as favorite? u mean registered payee right? I every month still can edit my bill no. and amount even I put under registered payee
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Yes. That is what I meant and I know I can edit but I really don't want to edit it every month. Moreover, some are I help others to pay I can't be asking for their bill no. every month. Not only them, sometimes I didn't even receive physical copy of bill... I'm just a tenant so I can't have full information of online bill. Hopefully the new MyTNB app can accommodate into this. laugh.gif
fruitie
post Jul 25 2016, 07:36 PM

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QUOTE(mitodna @ Jul 25 2016, 07:24 PM)
Noob question, if "received" cash rebate from before the statement, the it is safe to not to pay the retail transaction? Statement out soon

It will be - once the statement out, sorry, really noob, first time got -....

Thanks
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What do you mean by "not to pay the retail transaction"? unsure.gif
Oh got it, negative transactions is it? That means your cash back is greater than retail transactions?

CIMB is very tricky, for safety purpose just see the amount shown on statement balance. If it's negative then don't need to pay but if it's not, please pay and don't deduct the cash back yourself. You might be slapped with interest due to short payment, CIMB doesn't recognize cash back as "payment".

This post has been edited by fruitie: Jul 25 2016, 07:39 PM
fruitie
post Jul 26 2016, 10:59 AM

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QUOTE(rapple @ Jul 26 2016, 10:56 AM)
Wanna confirm paying AEON credit card through POSONLINE can get 5% cash back?
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Yes, but PosOnline charges 2% service charge. So effective cash back is only 3%.

victorywp, I think you will need to add AEON payment via PosOnline under eligible list.
fruitie
post Jul 26 2016, 09:57 PM

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QUOTE(sheushen @ Jul 26 2016, 09:55 PM)
Any booth in PJ to apply?
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Hardly see CIMB booth, usually we apply from online or branch.
fruitie
post Jul 28 2016, 11:52 PM

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QUOTE(guy3288 @ Jul 28 2016, 11:15 PM)
Just realised this is another card i need.

I applied at CIMB click and got rejected right away, so i called my RM to submit the application forms  tru branch. dont know will reject again or not with so much hutang in Balance transfer and >30 cards in hand.

read tru the pages, i gather that CB is calculated based on statement cycle.
online transactions CB max RM30 per statement cycle, so i applied 4 supps to aim for  RM150

Any body can share if the swipes taken for CB calculation for the cycle is based on  transaction or posting dates? which can be few days later right?

thanx
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Based on posting date and must be posted by 28th of the month.
fruitie
post Jul 29 2016, 11:29 PM

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QUOTE(kawteem @ Jul 29 2016, 08:35 PM)
Guys,

This would be the very first month I'm using cimb cr. If everything goes well, I mean my 600 swipe gets posted accordingly, I should expect the rm30 cb in unbilled trx by tomorrow in cimb clicks,right?

However I gotta pay rm600 and not deducting the rm30 cb yet before the due date?
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Yes for both questions..
fruitie
post Jul 30 2016, 10:16 AM

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QUOTE(kawteem @ Jul 30 2016, 02:56 AM)
Thank you sifus.
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Even if it's posted, you just pay according to statement balance. Never deduct the cash back and pay the balance. CIMB doesn't regard cash back as "payment", few already got financial charges due to this.

QUOTE(rapple @ Jul 30 2016, 08:24 AM)
On 26th I paid aeon through posonline and transaction posted on 28th. The cash rebate will be credited on 29th July correct?
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Yes.
fruitie
post Aug 1 2016, 10:09 AM

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QUOTE(MeToo @ Aug 1 2016, 09:45 AM)
I'm kinda confused why do people use the CIMB CR Plat... the % of CR is inferior to many cards out there. Is there something I'm missing here?

THe only CIMB i hold is the WMC just so I can get 15% off alcohol whenever I pass by KLIA..
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You certainly missed out the selling point of this card - 5% of cash back for online transactions. smile.gif I use it quite a lot for my transactions below RM 50 to complement with my UOB VOX. Plus it has one of the better exchange rates, makes it not a too bad card for online transactions.
fruitie
post Aug 1 2016, 10:28 AM

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QUOTE(MeToo @ Aug 1 2016, 10:17 AM)
Wouldnt the PB Signature be better? 6% for online without the limitation imposed by CIMB... capped at RM60.. thats my goto for paying utilities, amazon, paypal etc (not sure paypal qualifies oh well). ...

Also zero AF and no minimum spending..
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Technically PB VS has AF but you will need to get it waived with 12x swipes.
Also due to 100k p.a., not everyone can get it la. :sweat I'm one of them, so I have to go for CIMB CR + UOB VOX combo. smile.gif
I'm few k (p.a.) shy from the requirements, and if I can get VS, I will probably cancel these two cards. laugh.gif

This post has been edited by fruitie: Aug 1 2016, 10:29 AM
fruitie
post Aug 1 2016, 10:30 AM

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QUOTE(MeToo @ Aug 1 2016, 10:29 AM)
RM50 cap alrdy? Dang... thanks for pointing it out.. no wonder been seeing RM50 CB.. keep thinking I spend so ngam ngam CB 50 round figure..  sweat.gif
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Already long time ago, I think more than a year. Anyway, PBB VS thread: https://forum.lowyat.net/index.php?showtopic=3991972
fruitie
post Aug 1 2016, 10:40 AM

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QUOTE(MeToo @ Aug 1 2016, 10:34 AM)
Thanks for pointers.

So far I'm keeping PB Sig VS, HLB Wise (just got it), CIMB WMC, AMbank VI, and MBB VS (good discount but need to cancel it cause cannot hit the RM50k(?) min spending  sweat.gif )...

Oh and Aeon Watami for my monthly insurance...

Not sure if can get a better combo going though... but the CIMB WMC 15% for alcohol is really good.. loving it..
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You may need to refer to the recommendation thread for further suggestion. Just to point you that in case if you don't know, AEON Watami no longer gives quarterly 3% cash back effective May. AEON thread: https://forum.lowyat.net/index.php?showtopic=3929192

For CIMB's Eraman discount, yes it is good if you always buy. For me, I don't buy, so it doesn't benefit me much. laugh.gif
fruitie
post Aug 1 2016, 02:08 PM

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QUOTE(ic no 851025071234 @ Aug 1 2016, 12:47 PM)
Hi fruitie, does the cash rebate include online spend on overseas transaction? Example I buy ticket for Disneyland or universal studios in Singapore or Japan can get?
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Yes, applicable for overseas online transactions too.
fruitie
post Aug 1 2016, 02:46 PM

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QUOTE(rapple @ Aug 1 2016, 02:35 PM)
luckily saw this. if not i will just pay the net only.

such a weird system cimb is using..
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Well, it will still offset in next statement, no big deal actually. biggrin.gif

QUOTE(sendohz @ Aug 1 2016, 02:42 PM)
Yes i purely use for online transaction.
Ok i have dragged till July statement to confirmed my suspicious.
I will call in and ask then.
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Er... Just to confirm you have CIMB Cash Rebate card right? laugh.gif
fruitie
post Aug 1 2016, 03:29 PM

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QUOTE(sendohz @ Aug 1 2016, 03:14 PM)
Yea, cash rebate platinum mastercard.
You had the same thought as me, suspecting i got the wrong card.
*
This is really strange though, first time hearing it. Probably you can share a screenshot of your recent transactions and July statement here? smile.gif
fruitie
post Aug 1 2016, 03:41 PM

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QUOTE(sendohz @ Aug 1 2016, 03:32 PM)
I would like to share with better view but i still can;t get a hang of how to upload files to photo sharing site.
Here you go for my transactions.

May Transaction
PREVIOUS BALANCE 10.00 CR
17 MAY 13 MAY ASTRO-E-BILL SELANGOR MY 41.70
20 MAY 18 MAY PIZZA HUT DELIVERY - E KUALA LUM MY 41.30
STATEMENT BALANCE 73.00

[/B]June Transaction[U]
PREVIOUS BALANCE 73.00
31 MAY 29 MAY FISH & CO-THE MINES SRI KEMBANGANMY 123.65
09 JUN 09 JUN TRANSFER / TOP-UP THANK YOU-CLICKS
TRANSFER / TOP-UP TH June 2016 73.00 CR
14 JUN 11 JUN ASTRO-3D E COM KUALA LUMPUR MY 50.00
12 JUN 12 JUN F.O.S-MID VALLEY-2ND FLR KUALA L MY 219.60
21 JUN 18 JUN LAZADA MY (ECART S KUALA LUMPUR MY 34.30
28 JUN 27 JUN WELCOME BONUS 15.00 CR
STATEMENT BALANCE 412.55

[/B]July Transaction[U]
PREVIOUS BALANCE 412.55
01 JUL 28 JUN POS MALAYSIA-ONLINE KUALA LUMPUR MY 134.45
03 JUL 01 JUL SCP-TPN PETALING JAYAMY 106.00
05 JUL 02 JUL POS MALAYSIA-ONLINE KUALA LUMPUR MY 51.06
05 JUL 03 JUL ASTRO-3D E COM KUALA LUMPUR MY 50.00
08 JUL 08 JUL TRANSFER / TOP-UP THANK YOU-CLICKS TRANSFER 412.55 CR
19 JUL 16 JUL MYEG PJ SELANGOR MY 152.12
26 JUL 23 JUL POS MALAYSIA-ONLINE KUALA LUMPUR MY 145.48
STATEMENT BALANCE 639.11
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Just screenshot and as attachment.
user posted image
This is the easiest way without hotlinking from other site.

QUOTE(minthiam @ Aug 1 2016, 03:33 PM)
That's good for you. I used my PBB VS for Grab and Uber and didn't get any rebate.
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No longer for CIMB as well, my recent transactions weren't eligible anymore.

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