Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards CIMB Bank Credit Cards V6, Cash Rebate Platinum, keep or cut ?
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 Oct 30 2017, 01:43 PM
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Senior Member
774 posts Joined: Jun 2014 
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QUOTE(JuneResources @ Oct 30 2017, 01:33 PM) Then the customer will love to cancel. Could be other considerations such as fixed deposit, savings, properties...etc.Anyway, first time heard send 5 cards to customers. I guess this customers income should be.... very value..   |
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Oct 30 2017, 04:34 PM
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Senior Member
7,106 posts Joined: Jan 2003 
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QUOTE(kart @ Oct 30 2017, 02:44 AM) Alright, you plan to keep your CIMB Cash Rebate card in the drawer for a year without using the card, and cancel your card one year after the first cancellation date. Do note that some banks will not consider former card holders "new-to-bank" anymore even after you have cancelled it for a while.  I remember one of your great advices, which is to cancel unattractive credit cards, so that we can become "new-to-bank" cardholders after 6 months, and enjoy better card sign-up benefits. So, I plan to cancel my CIMB Cash Rebate card, after my next statement date. |
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Oct 30 2017, 10:21 PM
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Senior Member
1,599 posts Joined: Aug 2014
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QUOTE(KeSToN @ Oct 30 2017, 12:19 PM) let's say if u cancel the CR card but still hold other cards from cimb. then it won't be a "new to bank" cardholder anyway right? It is good for you, that CIMB Preferred Visa INFINITE suits you well. the terms of the new cimb cr card really puts me off but i still hold their cimb preferred VI (very good for overseas lounge use around south east asia) For me, I only have CIMB Cash Rebate Card. With my meagre income, I am not eligible for Visa Signature card, what more Visa Infinite Card.  QUOTE(fuzzy @ Oct 30 2017, 04:34 PM) Do note that some banks will not consider former card holders "new-to-bank" anymore even after you have cancelled it for a while. Yes, I recall during my online application for CIMB Cash Rebate Card, that CIMB considers "new-to-bank" cardholders who cancelled their credit cards, more than 2 years ago.Anyhow, if ever I do apply for a new CIMB Credit Card in the future, getting better card sign-up benefits as a "new-to-bank" cardholder or not is not so important to me. What matters most is the cash back feature of the new credit card that suits my spending. For now, I do not foresee that CIMB will provide cash back feature, that is worth our consideration.  |
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Oct 31 2017, 12:02 AM
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Junior Member
29 posts Joined: Jan 2010
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QUOTE(David83 @ Oct 29 2017, 10:35 PM) I'm sure they love you a lot! CIMB Tesco card CIMB CB card CIMB Petronas card CIMB Master card CIMB Enrich...  But none of them are premium card... |
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Oct 31 2017, 12:06 AM
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Senior Member
7,351 posts Joined: Aug 2015  
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QUOTE(pk252c @ Oct 31 2017, 12:02 AM) CIMB Tesco card i hate it when credit card sales guy proceed to apply additional cards without our consent just for their own benefit. I believe they get their commission based on the number of cards they manage to get the customer to apply.CIMB CB card CIMB Petronas card CIMB Master card CIMB Enrich... But none of them are premium card... this is just unethical in my opinion. |
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Oct 31 2017, 12:06 AM
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Senior Member
2,825 posts Joined: Jan 2003 From: Miri
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CIMB really p*ssed me off... When i saw my cash rebate, i immediately rang the CS and to my surprise the CS told me Wix.com RM427.63 and aliexpress RM34.04 was not deemed as "online transaction" set by the merchant? Wanted to lodge a complaint but CS said nothing can be done from CIMB. So, i quickly make the full payment and asked to terminate all my cards with CIMB
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Oct 31 2017, 07:31 AM
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All Stars
65,302 posts Joined: Jan 2003
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QUOTE(pk252c @ Oct 31 2017, 12:02 AM) CIMB Tesco card CIMB CB card CIMB Petronas card CIMB Master card CIMB Enrich... But none of them are premium card... QUOTE(coolguy99 @ Oct 31 2017, 12:06 AM) i hate it when credit card sales guy proceed to apply additional cards without our consent just for their own benefit. I believe they get their commission based on the number of cards they manage to get the customer to apply. 2 actions for you:this is just unethical in my opinion. 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. |
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Oct 31 2017, 07:36 AM
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All Stars
65,302 posts Joined: Jan 2003
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QUOTE(tAmp0i @ Oct 31 2017, 12:06 AM) CIMB really p*ssed me off... When i saw my cash rebate, i immediately rang the CS and to my surprise the CS told me Wix.com RM427.63 and aliexpress RM34.04 was not deemed as "online transaction" set by the merchant? Wanted to lodge a complaint but CS said nothing can be done from CIMB. So, i quickly make the full payment and asked to terminate all my cards with CIMB 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. |
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Oct 31 2017, 10:27 AM
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Senior Member
7,496 posts Joined: Feb 2007
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QUOTE(tAmp0i @ Oct 31 2017, 12:06 AM) CIMB really p*ssed me off... When i saw my cash rebate, i immediately rang the CS and to my surprise the CS told me Wix.com RM427.63 and aliexpress RM34.04 was not deemed as "online transaction" set by the merchant? Wanted to lodge a complaint but CS said nothing can be done from CIMB. So, i quickly make the full payment and asked to terminate all my cards with CIMB you just need to follow post #3 in getting your cash rebate done manually  |
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Oct 31 2017, 11:00 AM
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Senior Member
1,281 posts Joined: Sep 2008
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To enjoy cashback that I earned from purchasing this month, I'll have to wait until next month right?
So if I want to cancel my CR card I actually have to wait til the month after next month to clear my bills (nett CR) before I should cancel if I want to utilize the CR? |
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Oct 31 2017, 11:11 AM
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All Stars
65,302 posts Joined: Jan 2003
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QUOTE(JustForFun @ Oct 31 2017, 11:00 AM) To enjoy cashback that I earned from purchasing this month, I'll have to wait until next month right? yesSo if I want to cancel my CR card I actually have to wait til the month after next month to clear my bills (nett CR) before I should cancel if I want to utilize the CR? |
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Oct 31 2017, 12:18 PM
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Junior Member
64 posts Joined: Jan 2009
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Dear lyn, mybe out of topic abit but need opinion & enlightment;
Does increase credit limit require check for ccris/ctos? Always got call promotes for CashLite-Take portion of credit limit. Reject their offer everytime, cuz last time apply failed. Ccris record no good. Is wise to apply now? On the edge now..payin minimum also 5xx per mnth. Plan to paid off total cc outstanding then saves from high interest + lower monthly commitment. Also kept using cc as benefited from using at petronas (7% if balance 3k above) |
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Oct 31 2017, 04:58 PM
Show posts by this member only | IPv6 | Post
#2533
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Senior Member
691 posts Joined: Jul 2011
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QUOTE(cybpsych @ Oct 31 2017, 11:11 AM) yes Lets say my statement balance is 88.05.And my cb for last statement is 25.48. So the statement - cb is 62.57. If I want to cancel the card today, should i just pay 62.57 or 88.05? I'm getting confused |
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Oct 31 2017, 05:11 PM
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Staff
72,812 posts Joined: Sep 2005 From: KUL 
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QUOTE(akib_mullen @ Oct 31 2017, 04:58 PM) Lets say my statement balance is 88.05. Since you are cancelling the card, then just pay the amount (after CB) and cancel it.And my cb for last statement is 25.48. So the statement - cb is 62.57. If I want to cancel the card today, should i just pay 62.57 or 88.05? I'm getting confused |
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Oct 31 2017, 05:17 PM
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Junior Member
148 posts Joined: Jan 2007
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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) great, just spent rm500+. hope i can get rebate next month |
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Oct 31 2017, 05:40 PM
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Senior Member
2,383 posts Joined: Feb 2015 From: IT wonderland 
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RM0.00 CIMB: Year End Rebate Promo. Update all arrears for card xxxx by Dec'17 to enjoy rewards. For enquiries, call 03-27852100 for assistance. T&C apply
what kind rewards ? haha |
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Oct 31 2017, 05:40 PM
Show posts by this member only | IPv6 | Post
#2537
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Senior Member
691 posts Joined: Jul 2011
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Tried to call cimb to cancel card buy line is busy. No waiting queue?
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Oct 31 2017, 06:01 PM
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Senior Member
2,383 posts Joined: Feb 2015 From: IT wonderland
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QUOTE(akib_mullen @ Oct 31 2017, 05:40 PM) Tried to call cimb to cancel card buy line is busy. No waiting queue? cut in pieces, and send to branch  |
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Oct 31 2017, 07:56 PM
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Senior Member
920 posts Joined: Jun 2007 From: Somewhere in Malaysia
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I just called CIMB CS to cancel the card, they offered me RM50 cashback if spend RM200 but I proceed to cancel it anyway. lol
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Oct 31 2017, 09:53 PM
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All Stars
10,822 posts Joined: Jan 2010 From: KL/PJ
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QUOTE(Axell @ Oct 31 2017, 07:56 PM) I just called CIMB CS to cancel the card, they offered me RM50 cashback if spend RM200 but I proceed to cancel it anyway. lol lol 25% CB you don't want ? Btw, CS got asked you why canceled the card? |
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