cimb pay can use cimb cr or not?
yesterday i try add but after input TAC card still not added

i got sms from cimb offering CIMB enrich card.
at the end it said to reject, reply NO by 28mar.
i dont want it, can i simply ignore or need to reply NO?

cimb cash lite is like personal loan right?

my fren juz notice her cimb cr got charged with spotify every month.
she didnt notice b4 dis in her statement n she dont even know what spotify is lol
i google, the are several cases of spotify cc fraud.
anyone experience dis?
my fren ady request for card replacement.