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> CIMB Bank Credit Cards V6, 5% Online Cash Rebate till 31st Oct !! (Credit Cards)

wjleong15
post Oct 17 2017, 06:38 PM

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QUOTE(cybpsych @ Oct 17 2017, 03:37 PM)
just take note that new-to-bank definition is usually 6 months period, some banks even define 12 months.

cimb is 6 months.
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thanks for the info
i know sc also 6 months
cause i got 2x their new to bank gift
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djhenry91
post Oct 17 2017, 07:05 PM

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QUOTE(fuzzy @ Oct 17 2017, 06:33 PM)
Don't bother la. If you are in CIMB you would know how our Retail business functions in relative to IB.  biggrin.gif
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u see retail equities side same mindset like consumer side..
fuzzy
post Oct 17 2017, 07:17 PM

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QUOTE(djhenry91 @ Oct 17 2017, 07:05 PM)
u see retail equities side same mindset like consumer side..
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Indeed haha... too many egos brother...
djhenry91
post Oct 17 2017, 07:37 PM

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QUOTE(fuzzy @ Oct 17 2017, 07:17 PM)
Indeed haha... too many egos brother...
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top wan..dont want change their mindset..
even middle level wan sudah kasi good solution yet..u know..
so suffer wan is lower level staff kena scold by customer..
MNet
post Yesterday, 12:09 AM

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time to cancel this cimb platinum card
putra23
post Yesterday, 11:59 AM

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Still considering to cancel CR card. For me, only useful for Celcom auto debit.

Just keep coz free annual fee? My cr limit is very low for this card.
monoikhwan
post Yesterday, 12:03 PM

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Just a general question, will it affect our CCRIS and CTOS if we have too many credit cards? Should we keep cc to a minimum as needed only?
alexanderclz
post Yesterday, 12:06 PM

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QUOTE(monoikhwan @ Oct 18 2017, 12:03 PM)
Just a general question, will it affect our CCRIS and CTOS if we have too many credit cards? Should we keep cc to a minimum as needed only?
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it will show your total credit limit. of course if high means u r high risk to the bank, unless ur income is a lot a lot. personally, I have few credit cards which I reduces the credit limit. that way I can enjoy the cc benefits.
monoikhwan
post Yesterday, 12:18 PM

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QUOTE(alexanderclz @ Oct 18 2017, 12:06 PM)
it will show your total credit limit. of course if high means u r high risk to the bank, unless ur income is a lot a lot. personally, I have few credit cards which I reduces the credit limit. that way I can enjoy the cc benefits.
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Noted, thanks for the explanation.
4 CC with 10k credit limit each, with 78k annual income, is that considered high risk? Should I call the bank to lower all my CL? Looking forward to hear from you.

This post has been edited by monoikhwan: Yesterday, 12:29 PM
alexanderclz
post Yesterday, 12:37 PM

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QUOTE(monoikhwan @ Oct 18 2017, 12:18 PM)
Noted, thanks for the explanation.
4 CC with 10k credit limit each, with 78k annual income, is that considered high risk? Should I call the bank to lower all my CL? Looking forward to hear from you.
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lol, I can't say. each bank has its own risk assessment. at a personal level, usually I will only keep one with high limit for emergency purposes. others I will reduce. somehow it does affect your future credit application whether loan or cc.
fruitie
post Yesterday, 01:36 PM

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QUOTE(monoikhwan @ Oct 18 2017, 12:03 PM)
Just a general question, will it affect our CCRIS and CTOS if we have too many credit cards? Should we keep cc to a minimum as needed only?
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Still surviving with 23 cards. Due to system glitch which is yet to be fixed, once it's OK, it should be 24th card.

However, coming November i will cut some cards like CIMB and AmBank. Not completely cutting off but keeping only one card for each of these banks and I shall reduce the credit limit to a very minimal amount.
lilsunflower
post Yesterday, 10:21 PM

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QUOTE(fruitie @ Oct 18 2017, 01:36 PM)
Still surviving with 23 cards. Due to system glitch which is yet to be fixed, once it's OK, it should be 24th card.

However, coming November i will cut some cards like CIMB and AmBank. Not completely cutting off but keeping only one card for each of these banks and I shall reduce the credit limit to a very minimal amount.
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I gotta do a culling exercise soon too. CIMB, Ambank and Hong Leong Fortune are first off the list.
fruitie
post Yesterday, 11:00 PM

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QUOTE(lilsunflower @ Oct 18 2017, 10:21 PM)
I gotta do a culling exercise soon too.  CIMB, Ambank and Hong Leong Fortune are first off the list.
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Yes, as smart cardholders, we have to. biggrin.gif
However, I'm not a big spender like you la. tongue.gif
enkil
post Yesterday, 11:23 PM

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QUOTE(fruitie @ Oct 18 2017, 01:36 PM)
Still surviving with 23 cards. Due to system glitch which is yet to be fixed, once it's OK, it should be 24th card.

However, coming November i will cut some cards like CIMB and AmBank. Not completely cutting off but keeping only one card for each of these banks and I shall reduce the credit limit to a very minimal amount.
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Haha... incredible. Almost everyday got statement icon_rolleyes.gif

I got a few cards from 4 banks only also sometimes forget the due date. Imagine 24 cards rclxub.gif

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