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Credit Cards CIMB Bank Credit Cards V6, Cash Rebate Platinum, keep or cut ?

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SUSDavid83
post Apr 25 2017, 07:15 PM

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QUOTE(JamesBotak @ Apr 25 2017, 06:38 PM)
Can anyone enlighten me about CIMB Easy Payment Plan (0%).

How do we do this EPP, is there any form to fill up during purchase, or we need to call bank after making the purchase or the merchant automatically does the EPP and we only need to pay accordingly?
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I believe it will be the latter. Ask the participating merchant to convert your swipe into EPP.
Participating merchant needs to have CIMB terminal.
sj0217
post Apr 25 2017, 07:50 PM

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QUOTE(JamesBotak @ Apr 25 2017, 06:38 PM)
Can anyone enlighten me about CIMB Easy Payment Plan (0%).

How do we do this EPP, is there any form to fill up during purchase, or we need to call bank after making the purchase or the merchant automatically does the EPP and we only need to pay accordingly?
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No form is needed to fill up, merchant will just swap the card and option for EPP depend on how many months you want.

Example:
- Buy an item from SenQ, make sure they have provide for EPP for CIMB credit card user
- Mention to them about EPP and how many months (6/12/24/26) you want.
- After swiped, a receipt will be given, you are able to see the amount for the instalment.
- Monthly instalment value will be appear in the statement and just pay accordingly until end of it.
fruitie
post Apr 25 2017, 08:40 PM

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QUOTE(omgimahero @ Apr 25 2017, 12:47 PM)
I called CIMB CS regarding some matters and also to check regarding PTPTN.

The CS say PTPTN paid at the PTPTN office falls under other retail spend at 0.2% CB. meanwhile PTPTN paid online is 5% under online spending.

I think the revised T&C on government services does not change anything for PTPTN payment and CB
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Let's see until actual sharing by our fellow forummers. biggrin.gif
TSDarReNz
post Apr 25 2017, 09:09 PM

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QUOTE(omgimahero @ Apr 25 2017, 12:47 PM)
I called CIMB CS regarding some matters and also to check regarding PTPTN.

The CS say PTPTN paid at the PTPTN office falls under other retail spend at 0.2% CB. meanwhile PTPTN paid online is 5% under online spending.

I think the revised T&C on government services does not change anything for PTPTN payment and CB
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the best is for someone to make payment to PTPTN or LHDN so that we can verify if it falls under 0% or 5% cash rebate nod.gif
atjm88
post Apr 25 2017, 09:39 PM

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QUOTE(gastacopz @ Apr 25 2017, 04:36 PM)
I aplly next day..via branch..and got my card in 2 weeks iinm
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You got rejected within 6 months and reapply?
gastacopz
post Apr 25 2017, 09:43 PM

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QUOTE(atjm88 @ Apr 25 2017, 09:39 PM)
You got rejected within 6 months and reapply?
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nope...

apply my 1st cimb cr online..rejected..next day go branch apply
wyh
post Apr 25 2017, 10:57 PM

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QUOTE(gastacopz @ Apr 25 2017, 09:43 PM)
nope...

apply my 1st cimb cr online..rejected..next day go branch apply
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didnt know such thing that they approve this way.
SzeMeng76
post Apr 26 2017, 12:23 AM

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QUOTE(gastacopz @ Apr 25 2017, 09:43 PM)
nope...

apply my 1st cimb cr online..rejected..next day go branch apply
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Didnt know this too, will wan to try next few days
xixo_12
post Apr 26 2017, 05:29 PM

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recently i got sms "eligible for new indicative limit of RMXXXXX for your credit card" and ask me to call the number

how is the procedure? easy?
mamamia
post Apr 26 2017, 08:26 PM

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Notice that myeg payment entitle for cashback. May I know how many days for myeg transaction to post to CIMB CR card? As my April cashback has fully utilized.

This post has been edited by mamamia: Apr 26 2017, 08:27 PM
TSDarReNz
post Apr 26 2017, 08:44 PM

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QUOTE(mamamia @ Apr 26 2017, 08:26 PM)
Notice that myeg payment entitle for cashback. May I know how many days for myeg transaction to post to CIMB CR card? As my April cashback has fully utilized.
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it will be posted 1-2 days nod.gif
hirano
post Apr 26 2017, 11:31 PM

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The 0.2% cashback on other retail spending -- does it include ptptn payment via counter? Does anybody know?
fruitie
post Apr 27 2017, 12:03 AM

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QUOTE(hirano @ Apr 26 2017, 11:31 PM)
The 0.2% cashback on other retail spending -- does it include ptptn payment via counter? Does anybody know?
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Yes. But can pay online, may still get 5% cash back if they didn't remove it out after some revision.
AyamBannedTwice
post Apr 27 2017, 01:00 AM

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QUOTE(annoymous1234 @ Apr 23 2017, 12:04 AM)
yes, pay full and dont pay late
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QUOTE(fruitie @ Apr 23 2017, 02:13 AM)
Yes, pay on time, pay full and don't use it to withdraw cash then you are good to go. Welcome to CC world. tongue.gif
By the way, you just need to pay the amount stated in your statement before due date.
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Mind to share the worst case scenario if I didn't pay it in full?

Example: my outstanding balance is RM1,000 but i only pay RM500

How much the penalty? Per anum or daily?

Thanks
fruitie
post Apr 27 2017, 01:01 AM

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QUOTE(AyamBannedTwice @ Apr 27 2017, 01:00 AM)
Mind to share the worst case scenario if I didn't pay it in full?

Example: my outstanding balance is RM1,000 but i only pay RM500

How much the penalty? Per anum or daily?

Thanks
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I'm very bad in this part, maybe others can advise but I know interest is counted on daily basis.
TSDarReNz
post Apr 27 2017, 06:25 AM

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QUOTE(fruitie @ Apr 27 2017, 12:03 AM)
Yes. But can pay online, may still get 5% cash back if they didn't remove it out after some revision.
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over the counter sure 0% but online maybe still can get 5% nod.gif
fruitie
post Apr 27 2017, 08:17 AM

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QUOTE(DarReNz @ Apr 27 2017, 06:25 AM)
over the counter sure 0% but online maybe still can get 5%  nod.gif
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Why 0%? There's retail 0.2%.
TSDarReNz
post Apr 27 2017, 11:14 AM

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QUOTE(fruitie @ Apr 27 2017, 08:17 AM)
Why 0%? There's retail 0.2%.
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cos PTPTN over the counter would fall under the MCC 9399 - Government Services nod.gif
omgimahero
post Apr 27 2017, 11:36 AM

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QUOTE(DarReNz @ Apr 27 2017, 11:14 AM)
cos PTPTN over the counter would fall under the MCC 9399 - Government Services  nod.gif
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isit? i check with CIMB CC that day, he say it's 0.2% CB
cybpsych
post Apr 27 2017, 02:14 PM

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QUOTE(cybpsych @ Apr 21 2017, 07:51 AM)
Notice of transactions excluded from Cash Rebate entitlement for CIMB Cash Rebate, CIMB Petronas and CIMB Tesco Credit Cards [ CIMB ]

http://www.cimbbank.com.my/content/dam/cim...dConditions.pdf

We wish to inform you effective 3 April 2017, transactions in respect of payments to charity and government related payments shall be excluded from earning cash rebates.
Payments to charity under designated Merchant Category Code (MCC) 8398- Charitable and social service organisations; and

Any government related payments under designated MCC below:-

9211Court costs, including alimony and child support
9222Fines
9223Bail and bond payments
9311Tax payments
9399Government services
9402Postal services – government only

Added on
last reported in Oct 2016, PTPTN card terminal was under MCC 9399: Government Services...

however, no info of the MCC if payment via PTPTN's online portal.

those who successfully paid ptptn, kindly check with CS what's the MCC of the transaction made via online portal.
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QUOTE(omgimahero @ Apr 27 2017, 11:36 AM)
isit? i check with CIMB CC that day, he say it's 0.2% CB
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guess u missed the announcement by CIMB .....
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