Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
5 Pages < 1 2 3 4 > » Bottom

Outline · [ Standard ] · Linear+

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

views
     
SzeMeng76
post Aug 29 2017, 02:06 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(OKLY @ Aug 29 2017, 01:45 PM)
I applied online for almost 5 times before I got the approval. I resubmit my application every 2-3 months until one fine day I received the card at my registered address (was not informed of the approval).
*
Is it. I got both SMS and Email notification regarding the approval.
Ya i also try it after 3 months, actually I thought normal practice is 6 months period,
so I just give a try, then approved liao. sweat.gif
SzeMeng76
post Aug 29 2017, 07:35 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(Asmasw2020 @ Aug 29 2017, 06:20 PM)
What are the documents needed to request for higher credit limit for cimb cc? Tks.
*
For salaried - latest payslip / EPF statement
For self employed - latest Form B with Tax receipts
SzeMeng76
post Aug 30 2017, 03:54 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(ilyas_jamal @ Aug 30 2017, 03:28 PM)
for the CIMB Lazada, im unsure the when rebate will be credited (the 15% cash back) ?

as i just did made a transaction for the first time for the Card.

or the cash back rebate will be only for the selected items only?
*
Eg : you make purchase on August, the 15% rebate will only credited on next month 25th.
I also waiting for mine.

QUOTE(fruitie @ Aug 30 2017, 02:53 PM)
I just used this card for Grab and Uber rides, just a few only because there were promos for CIMB cards.

I have shifted to YOLO for Lazada. May keep it for Astro now and if PBB one day decides to approve my VS/Quantum application, I will say bye bye to this card. Really no purpose of keeping it.
*
I thought Uber - CIMB got cross bord charges? this card I still use it for other online purchase.
then PBB Quantum want to keep quota for any online purchase not eligible for this card. (Eg : taobao) doh.gif
Lazada still using their Co-Brand card since 15% cash back, and ended Dec, I will chop the card after that.
1st year AF waive, subsequently RM 10. and campaign ended rebate only 1% rclxub.gif rclxub.gif rclxub.gif sweat.gif

This post has been edited by SzeMeng76: Aug 30 2017, 03:59 PM
SzeMeng76
post Sep 1 2017, 08:51 AM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(monoikhwan @ Sep 1 2017, 08:42 AM)
Dear all,

Currently I'm using Maybank 2 Cards and Maybank Ikhwan for cashback during weekend transaction. Now I need some cards to cover my weekdays spending. Priority is online spending and petrol and CIMB CR card seems fit in the bill.

Sorry for asking newbie question, but how long is the payment period before the any charges is imposed? E g. Can I make a transaction on 2, 3, and 4 July, and paid all in 10 Aug lump sum? Will there be any charges imposed for this kind of scenario?

Thanks in advance.
*
It's depend on statement date, for CIMB CR it's fixed on 28th of month.
Due date will be 20 days after, which is 17th of next month.
so yes, u pay in full before 17th, no finance charges will be imposed.
SzeMeng76
post Sep 2 2017, 08:07 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(codyauyong @ Sep 2 2017, 06:53 PM)
My purchases for 11street and Fave also not entitled for 5% cash back. Used at Giant also not entiled for 2% cash back. Already lodged complaint but no reply yet.

Now l don't bother to use CIMB Cash Rebate card. Prefer to use PBB Quantum Mastercard.
*
But my latest statement 11street got cash back.
SzeMeng76
post Sep 3 2017, 05:51 AM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(akib_mullen @ Sep 3 2017, 12:51 AM)
Cs said the july cash back will be reflected on august statement with slightly different description. But when i check thru cimbclicks its only said cash rebate and other retail cashback, which is idk whether that is for july or august transaction. Gonna check first and inform cs if got issues. If every month like this sigh tiring
*
The cash back is follow statement cycle not calendar month. So will included both July n Aug transaction which is from 29th July to 28th Aug. And always pay ur statement balance in full, because cash rebate not treated as payment, u will got finance charges if fail to do so.
SzeMeng76
post Sep 3 2017, 10:02 AM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(akib_mullen @ Sep 3 2017, 07:10 AM)
Yes the statement cycle is 28-27 thats why i said july cash back not august cash back. Cash back that cimb failed to give i.e lazada issue. Never had finance charge before, at all
*
Erm I dunno for CIMB CR, I already stop using it for Lazada. But for my CIMB Lazada prepaid card, there is another line "adjustment cash back for Lazada transaction". Perhaps u can count the cash back urself to track ur current spending to tally the cash back, if there is difference then is the adjustment ba.
SzeMeng76
post Sep 5 2017, 04:00 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(toysRash @ Sep 5 2017, 03:50 PM)
never noticed this cross border fees before.
only expedia charge this?
or all site that paid by cimb cc?  :confused:  :confused:
*
Kindly check post #3
SzeMeng76
post Sep 5 2017, 10:15 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(akib_mullen @ Sep 5 2017, 10:00 PM)
Already forget why people no use posonline anymore. Is it because no more cb from posonline?
*
I remember is Posonline cannot use credit card pay already.
SzeMeng76
post Sep 7 2017, 09:00 AM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(cybpsych @ Sep 7 2017, 07:47 AM)
are you sure cimb lazada card no issue?

this so-called stunt is not cimb's fault, it's lazada's.
*
Yes the co brand Lazada card no issue. They auto adjust the cash rebate without my any complaints.

This post has been edited by SzeMeng76: Sep 7 2017, 09:00 AM
SzeMeng76
post Sep 7 2017, 12:59 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(kzai01 @ Sep 7 2017, 12:28 PM)
Booking, expedia , agoda , fave , 11street , qoo10....
those ONLINE Website can get 5% cb? (I only receive 0.2%) sad.gif  sad.gif
And also taobao and lazada,can get 5% 2% or 0.2%?
*
11 street i got full 5%.
Taobao Hangzhou i only got 2%, as reported it in MCC of Groceries.
Recently Lazada only can get 0.2% retail as per reported,
so I stop using it for Lazada.
I'm using CIMB Lazada prepaid for Lazada 15% + 1 % (capped RM 25 each).
U can check post #3, u can get more info.
SzeMeng76
post Sep 8 2017, 01:30 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(eeeglow24 @ Sep 8 2017, 01:05 PM)
If I'm seeing this correctly, the adjustment to your Lazada spend has been credited as above.

For this card Lazada spend is 1% rebate.

So they have given you other retail cash rebate 0.5% (0.84) and they have made the adjustment 0.5% (0.84), so total 1% for your Lazada spend. Please also note that the bonus cash rebate will be rebated on your next month statement.

As this is for your August spend, the bonus cash rebate RM25 will be credited on 25th Sept latest.

Like I have for my Lazada prepaid card, I spend in July. I got other retail and adjustment. The bonus cash rebate credited to my account on August 25th.

So just be patient, this card is really a bit weird to be honest with you.
😂😂
*
Exactly what I want to reply.
I have the same above.
First is cash rebate - other retail which is 0.5%.
then they immediately adjust the lazada cash rebate balance like above.
So it considered no issue for the co brand card.
At least they recognize Lazada transaction.
I also waiting Aug 15% cash rebate to be credited, I only activate this card end of July and start spending on Aug.
But it's bad that 15% limited time. Just fully utilized until Dec then. biggrin.gif Guess after that I will cancel the card too if only remain 1% cash rebate.
SzeMeng76
post Sep 10 2017, 03:57 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(kevyeoh @ Sep 10 2017, 03:28 PM)
hi...may i know how you get the lazada 15% for the prepaid? i used already so far i never get 15%...is it once you apply code...you can't get the 15%?
*
The 15% will come in late. U have to wait. Means if u use on September, u will only got it on 25th of Oct.
SzeMeng76
post Sep 13 2017, 10:12 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(forumania126 @ Sep 13 2017, 10:08 PM)
Guys, saw you guys mentioning about Lazada voucher. I applied from the website and got the card dy. Nothing given to me. Can I get the voucher from CIMB?
*
Depending when you apply, different period of campaign different free gift.
SzeMeng76
post Sep 15 2017, 09:45 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(idoblu @ Sep 15 2017, 09:38 PM)
Plan to use my cimb card overseas. Are their exchange rate reasonable?
The fee is 1% correct?
*
Up to Aug statement, my Taobao transaction in CNY, which have different fee of 2.06%.
SzeMeng76
post Sep 19 2017, 07:31 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
Just report for Taobao Hangzhou transaction a week ago, and CS call back today to verify and confirm will credit the remaining 3% cash rebate adjustment on next statement (previously was 2% CB only). Didnt know CIMB also will entertain the adjustment of manual cash back. Still good though.
SzeMeng76
post Sep 20 2017, 09:17 AM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(space_boy_88 @ Sep 20 2017, 08:41 AM)
how you report it ? through email or phone call ?
*
Through email. (Compose email in CIMB Clicks)
SzeMeng76
post Sep 20 2017, 09:51 AM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(gu~wak_zhai @ Sep 20 2017, 09:47 AM)
Hi all, I purchase from Guardian on 28 Jun, when will the rebate be credited to my account? Till now I don't receive the rebate. sad.gif
*
Do check TnC
https://www.cimbbank.com.my/content/dam/cim...ly)%20(Eng).pdf

7. The Rebate given out under this Campaign is limited and is capped at RM25,000 per month and will be
awarded on a first come first serve basis. For the avoidance of doubt, the Eligible Customers’ Spending at
Guardian during the Campaign Period will not be taken into account and the Eligible Customers will not be
entitled to the Rebate once the cap of RM25,000 is fully used up.

8. For Eligible Customers who satisfied the Spending requirement and qualified for the Rebate, the Rebate sum
will be credited into the Eligible Customers’relevant spending card account in the order of debit card account,
credit card account and Kwik card account on 25th of the following month.

you shall get rebate by 25 July, maybe the quota had been used up upon your purchase date. (as this is not guaranteed cash back)

This post has been edited by SzeMeng76: Sep 20 2017, 09:51 AM
SzeMeng76
post Sep 24 2017, 12:32 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(icebryanchan @ Sep 24 2017, 11:32 AM)
Hi guys, I am new to CIMB credit card. I need some clarification.

Let's say:
-My card is CIMB cash rebate.
-My statement date is on 28th every month.
I spent RM1000 before 28th Sept.
on 28th Sept my statement is out, I have to pay back RM1000 before a period of 20 days before any interest is charged.
However, I pay only RM700, which leaves me RM300 unpaid amount.

So my outstanding amount which is RM300 will be carried forward to the next month and charged with a 1.5% (not sure if this is the rate please help).

And I spent another RM1000 before 28th October.
So on 28th October my statement will be out and I have to repay RM1000 + RM300 + (RM300 x 1.5%) in order to clear my debt.

Is my view on how credit card works correct? Please feel free to correct I am open to all the advice. smile.gif Cheers!
*
Nope. Once you have outstanding balance, your future expense will not having 20 grace period too. So the new RM1000 also will imposed finance charges.
So advisable always pay in full.
SzeMeng76
post Sep 24 2017, 08:09 PM

Look at all my stars!!
*******
Senior Member
2,318 posts

Joined: Dec 2012
QUOTE(icebryanchan @ Sep 24 2017, 01:00 PM)
So it is calculated as RM1000(NEW) + (RM1000 X 1.5%) + RM300 + (RM300 X 1.5%) on my 28th October statement instead of RM1000(new) + RM300 + (RM300 X 1.5%)?

Edit: I am more concerned with the interest rate. from CIMB website it says 1.5% per month or 18% per annum. How they even get to use 18% per annum to charge me when I pay off my outstanding balance in few months time?
*
Yes, and 18% which is standard set by Bank Negara. All bank credit card applied the same.

5 Pages < 1 2 3 4 > » Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.0897sec    0.50    7 queries    GZIP Disabled
Time is now: 6th December 2025 - 04:44 PM