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Credit Cards CIMB Bank Credit Cards v5

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kawteem
post Aug 27 2016, 09:47 PM

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QUOTE(fruitie @ Aug 27 2016, 12:31 PM)
Do you know if I can have two supplementary cards filled without phone number? I intend to apply straight for two cards. If it really needs to, I can fill in one of them with a number but I can't be conveniently ignoring the other one and not filling any contact no. for it right? hmm.gif
Or I apply on two separate occasions? hmm.gif
*
Good question. I'm not too sure about this. My assumption, can leave empty for both because I think IC copy is all the bank needs. I could be wrong though.
QISz
post Aug 27 2016, 10:02 PM

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I got a question about the 10% cashback. How does it work actually? Can anybody enlighten me about this? 🤔
fruitie
post Aug 27 2016, 10:35 PM

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QUOTE(kawteem @ Aug 27 2016, 09:47 PM)
Good question. I'm not too sure about this. My assumption, can leave empty for both because I think IC copy is all the bank needs. I could be wrong though.
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hmm.gif Maybe I apply one by one. icon_idea.gif

QUOTE(QISz @ Aug 27 2016, 10:02 PM)
I got a question about the 10% cashback. How does it work actually? Can anybody enlighten me about this? 🤔
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QUOTE(kelvinlzy @ Aug 21 2016, 03:27 PM)
First of all, any outstanding balance will have the following charge percentages, depending on the criteria:
15% p.a. (daily interest) - Cardholders who promptly settle their minimum payment due for 12 consecutive month
17% p.a. (daily interest) - Cardholders who promptly settle their minimum payment due for 10 months or more in a 12 month cycle; and
18% p.a. (daily interest) - Cardholders who do not fall within the above categories.

IINM, if you haven't promptly settle the minimum payment for 10 months and above, your interest would be 18% per annum, which translates to 1.5% per month, and from that 1.5% interest you get 10% rebate.

Secondly, nobody would actually be attracted to this feature unless you can't settle your outstanding or even minimum payment. Then again credit cards would not be useful for you and it would cause you to dig a deeper hole of debt. And this is also one of the ways banks make profit, as a smart consumer we should not let them take our hard-earned money icon_idea.gif
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OldSchoolJoke
post Aug 28 2016, 10:15 PM

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Greetings guys,

Recently applied for CIMB Credit Card and just now received email saying that my application has been rejected but doesn't specify any reason for their rejection.

Were wondering if anyone know their way of processing? I mean do they check those CCRIS/CTOS, loans, etc.?

I got no loans, and clean of debts with a RM3k salary but still got rejected.

Regards.
kawteem
post Aug 28 2016, 10:31 PM

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QUOTE(OldSchoolJoke @ Aug 28 2016, 10:15 PM)
Greetings guys,

Recently applied for CIMB Credit Card and just now received email saying that my application has been rejected but doesn't specify any reason for their rejection.

Were wondering if anyone know their way of processing? I mean do they check those CCRIS/CTOS, loans, etc.?

I got no loans, and clean of debts with a RM3k salary but still got rejected.

Regards.
*
Could be because of your record is too clean, as in no record at all for them to evaluate your behaviour. What about PTPTN?
fruitie
post Aug 28 2016, 11:12 PM

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QUOTE(OldSchoolJoke @ Aug 28 2016, 10:15 PM)
Greetings guys,

Recently applied for CIMB Credit Card and just now received email saying that my application has been rejected but doesn't specify any reason for their rejection.

Were wondering if anyone know their way of processing? I mean do they check those CCRIS/CTOS, loans, etc.?

I got no loans, and clean of debts with a RM3k salary but still got rejected.

Regards.
*
Yes, they check on CCRIS and CTOS.
OldSchoolJoke
post Aug 29 2016, 06:09 AM

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QUOTE(kawteem @ Aug 28 2016, 10:31 PM)
Could be because of your record is too clean, as in no record at all for them to evaluate your behaviour. What about PTPTN?
*
No PTPTN also.
Living with debt free also not a good idea now.

QUOTE(fruitie @ Aug 28 2016, 11:12 PM)
Yes, they check on CCRIS and CTOS.
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Oh. Thank you.
fruitie
post Aug 29 2016, 10:08 AM

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QUOTE(OldSchoolJoke @ Aug 29 2016, 06:09 AM)
No PTPTN also.
Living with debt free also not a good idea now.
Oh. Thank you.
*
If first card, try applying from your salary crediting bank account. It seems banks like UOB, Citibank are quite OK for first timer.
OldSchoolJoke
post Aug 29 2016, 10:28 AM

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QUOTE(fruitie @ Aug 29 2016, 10:08 AM)
If first card, try applying from your salary crediting bank account. It seems banks like UOB, Citibank are quite OK for first timer.
*
Ya. Applied from my salary crediting bank which is CIMB.
Guess I need to check for other banks now.
fruitie
post Aug 29 2016, 10:43 AM

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QUOTE(OldSchoolJoke @ Aug 29 2016, 10:28 AM)
Ya. Applied from my salary crediting bank which is CIMB.
Guess I need to check for other banks now.
*
Too bad then. My first card was from CIMB and my salary crediting account is always in Maybank.
Try other bank or you can appeal from CIMB.
OldSchoolJoke
post Aug 29 2016, 10:54 AM

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QUOTE(fruitie @ Aug 29 2016, 10:43 AM)
Too bad then. My first card was from CIMB and my salary crediting account is always in Maybank.
Try other bank or you can appeal from CIMB.
*
Oh. Thought would be easier to apply with the same salary crediting account since they can check/monitor easily.
Never knew will get rejected.

I will try to apply again see how if still fail then I guess I'll have to try other banks.

Thanks for your help!
fruitie
post Aug 29 2016, 10:56 AM

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QUOTE(OldSchoolJoke @ Aug 29 2016, 10:54 AM)
Oh. Thought would be easier to apply with the same salary crediting account since they can check/monitor easily.
Never knew will get rejected.

I will try to apply again see how if still fail then I guess I'll have to try other banks.

Thanks for your help!
*
You have already applied and get rejected. So you cannot re-apply again anytime soon, banks will recommend 6 months cooling period. However, for now you can appeal again or just wait to re-apply after 6 months.
OldSchoolJoke
post Aug 29 2016, 11:00 AM

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QUOTE(fruitie @ Aug 29 2016, 10:56 AM)
You have already applied and get rejected. So you cannot re-apply again anytime soon, banks will recommend 6 months cooling period. However, for now you can appeal again or just wait to re-apply after 6 months.
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Oh is it? Sorry, didn't know about this. How do I appeal?
epie
post Aug 29 2016, 11:17 AM

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QUOTE(fruitie @ Aug 27 2016, 12:31 PM)
Do you know if I can have two supplementary cards filled without phone number? I intend to apply straight for two cards. If it really needs to, I can fill in one of them with a number but I can't be conveniently ignoring the other one and not filling any contact no. for it right? hmm.gif
Or I apply on two separate occasions? hmm.gif
*
last time i applied at cimb branch and wanna put same phone number but it is not allowed
the reason is bcos of the the online pin
gastacopz
post Aug 29 2016, 11:17 AM

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QUOTE(gastacopz @ Mar 19 2016, 11:35 PM)
thanks...applying now.. thumbup.gif

rclxm9.gif  rclxm9.gif

btw, no more rm50 lazada voucher..only this..

how they got so many details of me?just press apply now, all info is there..where i work, when start work..how they know?? rclxub.gif
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quoting myself for their online signup promo...which my application rejected b4 i managed to upload document..back in may

so, i simply leave a comment at cimb fb page early this month...at one of their post...

accused them tipu punye bank, bla2 for their online sign up and bonus..... vmad.gif vmad.gif

mana taw, their csu respond to me, and later gimme cashback rm50..and already credited last week rclxms.gif rclxms.gif

but actually. supposed to get rm75, i that time forgot, so simply mentioned rm50... doh.gif

you guys can try also brows.gif

This post has been edited by gastacopz: Aug 29 2016, 11:19 AM
klsooo
post Aug 29 2016, 11:25 AM

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Need help. Anyone pay DBKL Cukai Taksiran (Assessment Fee) using uob payonline and get 5% online cash rebate.
fruitie
post Aug 29 2016, 11:30 AM

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QUOTE(OldSchoolJoke @ Aug 29 2016, 11:00 AM)
Oh is it? Sorry, didn't know about this. How do I appeal?
*
Just write them an email telling you were rejected by them recently. You would like to appeal as you don't see a reason why you should be rejected and ask them to give you a chance, if needed you are willing to send in more supporting documents.

QUOTE(epie @ Aug 29 2016, 11:17 AM)
last time i applied at cimb branch and wanna put same phone number but it is not allowed
the reason is bcos of the the online pin
*
How about leaving blank like what kawteem mentioned?
I will try soon and update you guys. icon_idea.gif

QUOTE(klsooo @ Aug 29 2016, 11:25 AM)
Need help. Anyone pay DBKL Cukai Taksiran (Assessment Fee) using uob payonline and get 5% online cash rebate.
*
UOBPayOnline cannot get any cash back under CIMB CR.
OldSchoolJoke
post Aug 29 2016, 11:36 AM

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QUOTE(fruitie @ Aug 29 2016, 11:30 AM)
Just write them an email telling you were rejected by them recently. You would like to appeal as you don't see a reason why you should be rejected and ask them to give you a chance, if needed you are willing to send in more supporting documents.
*
Okay. Thanks for your help!
tatty89
post Aug 29 2016, 03:05 PM

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Apparently CIMB has this T&C that if the cash rebate for the billing month is less than rm10, the system will allow us to pay the statement balance less the rebate amount.

However, if the cash rebate is more than rm10 in that billing month, you need to pay the stated statement balance without deducting the cash rebate. If you don't do that, you will be penalised with finance charges for the difference.

I just checked my CIMB Clicks and I was hit by RM20++ (small amount, I know) finance charges for last month's bill. I called up CS Centre and I was told of such T&C by the lady on the other side of the line. I have checked the T&C on CIMB's website but it doesn't state such T&C. I have yet to check the T&C booklet that came along with the credit card.

So, I'm just curious if anyone here got hit by such charges? I usually pay all my credit card bills by deducting the cash rebate from the statement balance. I always assumed that as long as the credit card account shows RM0.00 for outstanding balance and minimum payment, it means I have cleared all my payment due to the bank.

P.S. Please correct me if I'm wrong and I'm using CIMB Cash Rebate Platinum MasterCard
vin_ann
post Aug 29 2016, 03:37 PM

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Today I had my first ever pin entered for my CR card transaction just now !

Caught surprised my staff asked me to key in pin!

Lucky I remembered my pin.
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