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

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lilsunflower
post Oct 28 2017, 11:48 PM

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QUOTE(dh13 @ Oct 28 2017, 10:45 PM)
Called to CIMB and confirmed that based on transaction date. and the limit of CR still RM30.. (if you able to utilized RM600 in these 3 days)
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Thanks. Just did my last online transactions on Lazada with these cards.

Called to cancel some of my supplementary cards and got different treatment:

1. First 4 cards (for each card) - I was offered RM15 to keep the card for one more year + RM15 if I spent RM200 within a month.

2. Next 3 cards - terminated immediately, no attempt to retain me.

I've completed the RM200 spending for the first 4 cards. Hope to see my (RM15 x 2 x 4) = RM120 soon!
skywardsword
post Oct 29 2017, 06:10 AM

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So sad. I use the cash rebate platinum for both shell petrol and online purchase. If it no longer have that... What card should I go to next?

I also have Hong Leong card . 0.6% Cb. Now this 0.2% omg....

This post has been edited by skywardsword: Oct 29 2017, 06:10 AM
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post Oct 29 2017, 06:26 AM

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Today will be the highest ever online transactions in history for this CIMB CB card biggrin.gif
fruitie
post Oct 29 2017, 12:33 PM

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QUOTE(skywardsword @ Oct 29 2017, 06:10 AM)
So sad. I use the cash rebate platinum for both shell petrol and online purchase. If it no longer have that... What card should I go to next?

I also have Hong Leong card . 0.6% Cb. Now this 0.2% omg....
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Post in this thread for recommendation: https://forum.lowyat.net/index.php?showtopic=4161836
CP88
post Oct 29 2017, 01:00 PM

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QUOTE(lilsunflower @ Oct 28 2017, 11:48 PM)
Thanks.  Just did my last online transactions on Lazada with these cards.

Called to cancel some of my supplementary cards and got different treatment:

1. First 4 cards (for each card) - I was offered RM15 to keep the card for one more year + RM15 if I spent RM200 within a month.

2. Next 3 cards - terminated immediately, no attempt to retain me.

I've completed the RM200 spending for the first 4 cards.  Hope to see my (RM15 x 2 x 4) = RM120 soon!
*
Err. Shouldn't it be 4X15 instead? hmm.gif
lilsunflower
post Oct 29 2017, 01:18 PM

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QUOTE(CP88 @ Oct 29 2017, 01:00 PM)
Err. Shouldn't it be 4X15 instead?  hmm.gif
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No - RM15 to keep for 1 year (already credited on the date I called to cancel the cards) + RM15 if I spend RM200 within one month
saitong09
post Oct 29 2017, 02:33 PM

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QUOTE(skywardsword @ Oct 29 2017, 06:10 AM)
So sad. I use the cash rebate platinum for both shell petrol and online purchase. If it no longer have that... What card should I go to next?

I also have Hong Leong card . 0.6% Cb. Now this 0.2% omg....
*
You may consider MBB FCB card, visit below thread
https://forum.lowyat.net/topic/4427214
CP88
post Oct 29 2017, 02:43 PM

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QUOTE(lilsunflower @ Oct 29 2017, 01:18 PM)
No - RM15 to keep for 1 year (already credited on the date I called to cancel the cards) + RM15 if I spend RM200 within one month
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Excellent deals.
christcwl9
post Oct 29 2017, 04:46 PM

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Guys, my last statement was RM 2600, after cash rebate of RM 30, i paid in full RM 2570 (thinking everything was fine).

Then today when i received my October statement, i saw a financial charge of RM 29!!!! bangwall.gif mad.gif ranting.gif

I called Customer service and argued, why was this as i paid in full but they replied because i didnt pay full as in statement balance? bangwall.gif Is it true???

THen i calculate for them, i am paying short of rm30 and got a rm29 financial charge?! Thats almost 100% interest doh.gif
kart
post Oct 29 2017, 04:49 PM

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QUOTE(lilsunflower @ Oct 28 2017, 11:48 PM)
Called to cancel some of my supplementary cards and got different treatment:

1. First 4 cards (for each card) - I was offered RM15 to keep the card for one more year + RM15 if I spent RM200 within a month.

*
For the first RM 15 (for keeping the card for one more year), if the cardholder chooses to cancel CIMB Cash Rebate card anytime between the second month and a year, will CIMB claw back the first RM 15 from the cardholder?

lilsunflower
post Oct 29 2017, 04:56 PM

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QUOTE(kart @ Oct 29 2017, 04:49 PM)
For the first RM 15 (for keeping the card for one more year), if the cardholder chooses to cancel CIMB Cash Rebate card anytime between the second month and a year, will CIMB claw back the first RM 15 from the cardholder?
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I have no idea, but since it has no annual fee, all I'm doing is tracking the date I called to cancel, lock cards in drawer, then cancel after that date. Not an issue.
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post Oct 29 2017, 04:57 PM

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QUOTE(christcwl9 @ Oct 29 2017, 04:46 PM)
Guys, my last statement was RM 2600, after cash rebate of RM 30, i paid in full RM 2570 (thinking everything was fine).

Then today when i received my October statement, i saw a financial charge of RM 29!!!!  bangwall.gif  mad.gif  ranting.gif

I called Customer service and argued, why was this as i paid in full but they replied because i didnt pay full as in statement balance?  bangwall.gif  Is it true???

THen i calculate for them, i am paying short of rm30 and got a rm29 financial charge?! Thats almost 100% interest  doh.gif
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yes that's true for cimb. previously we had such cases and therefore is recommended to pay statement balance
christcwl9
post Oct 29 2017, 05:01 PM

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QUOTE(alexanderclz @ Oct 29 2017, 04:57 PM)
yes that's true for cimb. previously we had such cases and therefore is recommended to pay statement balance
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I called again and argued and they said to me they will try to waive the financial charge on me as it is my first time. Do you think what they are saying is true ?? Can the financial charge really be waived?
fruitie
post Oct 29 2017, 05:26 PM

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QUOTE(christcwl9 @ Oct 29 2017, 05:01 PM)
I called again and argued and they said to me they will try to waive the financial charge on me as it is my first time. Do you think what they are saying is true ?? Can the financial charge really be waived?
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Yes, can be waived.
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post Oct 29 2017, 05:31 PM

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QUOTE(christcwl9 @ Oct 29 2017, 05:01 PM)
I called again and argued and they said to me they will try to waive the financial charge on me as it is my first time. Do you think what they are saying is true ?? Can the financial charge really be waived?
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yes. had the same experience.

on another note, anybody successfully transfered the cashback to their savings account? since not gonna use this anymore but not canceling.
OKLY
post Oct 29 2017, 05:44 PM

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QUOTE(christcwl9 @ Oct 29 2017, 04:46 PM)
Guys, my last statement was RM 2600, after cash rebate of RM 30, i paid in full RM 2570 (thinking everything was fine).

Then today when i received my October statement, i saw a financial charge of RM 29!!!!  bangwall.gif  mad.gif  ranting.gif

I called Customer service and argued, why was this as i paid in full but they replied because i didnt pay full as in statement balance?  bangwall.gif  Is it true???

THen i calculate for them, i am paying short of rm30 and got a rm29 financial charge?! Thats almost 100% interest  doh.gif
*
It's always best to just pay the statement balance, the cashback you earned use it to knock off your new statement's balance.
pk252c
post Oct 29 2017, 06:14 PM

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applied two CIMB cards from CIMB counter outside Tesco, at the end sent five cards to me... scary!!
adele123
post Oct 29 2017, 06:23 PM

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QUOTE(christcwl9 @ Oct 29 2017, 05:01 PM)
I called again and argued and they said to me they will try to waive the financial charge on me as it is my first time. Do you think what they are saying is true ?? Can the financial charge really be waived?
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Don't worry. I have done it a few times.

I do recommend switching to other cards if you can since benefits being cut and really the cashback is getting more annoying.
fruitie
post Oct 29 2017, 06:37 PM

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Just bought something at Lazada for RM 942. If CIMB doesn't honour cash back based on transaction date, I will try to argue. laugh.gif
wan7075
post Oct 29 2017, 06:44 PM

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QUOTE(fruitie @ Oct 29 2017, 06:37 PM)
Just bought something at Lazada for RM 942. If CIMB doesn't honour cash back based on transaction date, I will try to argue. laugh.gif
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wow.. sis buy so many things online...
cimb have capped cash back at rm30 only @ spending rm600..

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