guess which one affecting lazada purchase.....

you already posted in Recommendation for Credit Cards V4, but didnt follow format.

better update it so that others can advise according to your income level.


furthermore, there are many good info inside.

what other cards do you have?

maybe get other cards with unlimited cb, usually at 1% or lower, that gives you about RM100 cashback. then BT to Maybank or other banks with 0% to improve your cashflow.

new card from maybank, FC Barcelona Visa Signature, has 2% (capped RM50) and 10% (capped RM100 on May/Aug only).

alternatively, you can use any PBB cards to utilize FlexiPay, whereby using PBB cards have 0% 9mth instalments or PBB Quantum have 0% 12mth instalments. basically, you swipe RM10k for the downpayment, then call PBB CS to convert the single transaction into 9 or 12 instalments (depending on which PBB cards u use).

this is particularly good when you spending big item when moving house, e.g. buy electrical items, furnitures, kitchen cabinet, etc.

or just use the BT methods. PBB has 0% 6mth BT with min RM2k transfer.

assuming your statement date is 28th, you wont get the cashback tomorrow.

the cashback would be on 29 Oct, viewable in cimbclicks on 30 Oct, clear the final outstanding (minus cashback), then call CS to terminate the card.

do ensure you are not expecting any refunds from your online purchases.

whichever way you go, you still have this month's outstanding to clear.

your method, is also ok, but you're forfeiting your cb this month.

call CS to cancel the cards. dont leave it unattended/unactivated.

updating the promo here



Nando's Dine for 3, Pay for 2 Campaign [ CIMB ]

Indeed! Why go for ONE when you can get THREE sets of 1/4 Chicken + 2 Sides!

Good news to all CIMB Bank Debit, Credit and Prepaid cardmembers! CIMB Bank recently won the Best Retail Bank in Malaysia by the Asian Banker 2017, and we would like to thank you with this mouth-watering deal! So why wait, head down to your nearest Nando's outlets and get rewarded with your CIMB card today! Spread this awesome news around!



Terms & Conditions
Payment must be made with a CIMB Bank debit, credit or prepaid card.
This offer is not valid in conjunction with other ongoing discount, promotion or vouchers.
Valid only for dine-in at all Nando’s outlets in Malaysia.
Multiple redemptions are allowed per visit.
Exclusive set of ¼ Chicken with 2 Sides (worth RM20.90) is only redeemable with every purchase of 2 same sets.

cimb already revised the way cb is awarded.

before July 2015, cb was posted on the last day of your statement date. hence, you pay nett statement balance (because cb already inclusive within the statement).

July 2015 onwards, cb crediting was adjusted and is posted after your statement date, hence it doesnt reduce the already-generated statement.

diff bank has diff policies. moot discussion to "force" cimb to behave like mbb or pbb.

why not drag hlb and uob in as well? both uob yolo and hlb wise cb is 1 mth late too, impossible to wait for the cb to be credited without hitting the due date first.

just cut the card if not satisfied. file report to bnm if still not satisfied. there are many other cards out there.

2 actions for you:

1) terminate the cards ASAP, unless u want any of them. DO NOT LEAVE IT UNATTENDED/UNACTIVATED, or
2) if still want to penalise the bank/agent, report to BNM and cc the bank. for sure the bank will terminate the cards as well

quickly terminating the cards so that the agents cant get any commissions from all these cards. usually it takes 6 months for the cards to be active before they can get the commissions.

cimb's definition of "online" is very strict, need to adhere certain transaction parameters by each merchant (not controlled by us!). this t&c obfuscates end-users from determining which is eligible for online, or else. always hear users reporting not getting cb

other banks, e.g. PBB, are more relaxed. as long as "online" without card presence, then it's eligible for cb.

yes

Cash Rebate Platinum Credit Card - Unlimited Rebates Campaign [ CIMB | T&Cs (EN) | T&Cs (BM) ]
1 November to 31 December 2017

Terms and Conditions:
This Campaign is open to all CIMB Cash Rebate Platinum credit cardholders only.
The spend requirement for this Campaign will be based on the cumulative spending transactions using CIMB Cash Rebate Platinum Credit Card and performed in Foreign Currency transactions via retail and/or online channel.
Subject to the terms and conditions herein, the Eligible Participants who have fulfilled the requirement referred to in “Qualifying Criteria”, shall be eligible for Cash Rebate of 2% on the total amount of Eligible Transaction(s) (“Cash Rebate”).
The Cash Rebate fulfillment will be carried out and credited into the Eligible Participants’ CIMB Cash Rebate Platinum credit card account within six (6) to eight (8) weeks after the end of the Campaign Period.
*Valid from 1 November until 31 December 2017 only. From 1 january 2018 onward, monthly capping will be RM30.

is that a question or a rant?

you should read the T&C.

capped rm30 for total of 3 categories.

read

usually there are 2 clauses:

1. Eligible // This Campaign is open exclusively to New-to-Card Applicants (customers who do not own a credit card issued by CIMB Bank) //
2. Not Eligible // A customer who had cancelled his/her CIMB Bank principal credit card within the last six (6) months before the date of approval of his/her newly applied CIMB Bank principal credit card during the Campaign Period //

refer this acquisition campaign T&C

2017 Q4 Live Your Dream Campaign [ CIMB | T&Cs (EN) | T&Cs (BM) ]
Campaign period: 1 November 2017 - 28 February 2018





Terms and conditions:
This campaign is open to all CIMB Bank / CIMB Islamic Bank credit card holders (except CIMB Platinum Business Cards and Fuel Tanker cards) who are citizens of Malaysia.
To participate in this campaign, cardholders must enrol via online at www.cimbbank.com.my/lyd or www.cimbislamic.com.my/ilyd, or SMS using the mobile number maintained with CIMB Bank / CIMB Islamic Bank. Eligible telcos for SMS registration: Celcom, DiGi, Maxis and U Mobile only.
Eligible Participants shall during the campaign period earn one (1) entry from Monday to Friday and three (3) entries on every Saturday and Sunday for every approved RM50 retail spending transaction in a single receipt.
Each Eligible Participant shall only be entitled to win a maximum of one (1) Grand Prize and four (4) Daily Prizes throughout the campaign period.
The above prize images, props, and design featured in this advertisement and all printed materials are for illustration purposes only. Actual models/products/colour code may vary.
For full campaign terms and conditions, please select below.

normal case is as yours.

anyways, we cannot simply disable the sms for pre-authorization but allow for others.

either get all or none (by setting higher threshold to trigger sms).

my preference, i rather get ALL sms