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