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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 Jun 29 2017, 09:48 PM
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#81
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All Stars
52,874 posts Joined: Jan 2003 
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QUOTE(rhodon @ Jun 29 2017, 09:46 PM) is it mean the finance charge is something like late payment or not full payment? Finance charge is levied upon any unpaid statement balance in daily basis. How you made the payment? Perhaps your payment arrived late? |
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Jun 29 2017, 09:54 PM
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#82
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(rhodon @ Jun 29 2017, 09:51 PM) i think maybe is because of this. Your statement balance is RM 563.73.lazada going to refund me RM519.30, so i call to ask is it i need to pay RM563.73. the cs said no need j, just wait for the refund come in before the due date. then the next day lazada refund back to my account. maybe because of this then causes me dont have full payment? Payment of this amount needs to arrive by 17th June. Based on the amount you're being charged, it's more likely interest instead of late payment fee. Late payment fee is normally RM 50 min. |
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Jun 29 2017, 10:02 PM
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#83
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(rhodon @ Jun 29 2017, 09:58 PM) so is mean now i being charge late payment? Better call CS.but if see the date of 6 June i got extra credit in the account and the refund from lazada is not consider my payment?if is consider then my amount is more than RM563.73 already. before that i phone to cs ask, cs said i no need to pay full if i sure the refund can come in before due date, but now being charge... The 41 cents is interest on unpaid outstanding not late payment fee. |
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Jun 29 2017, 10:28 PM
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#84
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(rhodon @ Jun 29 2017, 10:23 PM) just called, cs said is their mistake but cant do anythings if got bad record in ctos? is it true bank cant do anythings? What they meant is their mistake?Ask them to rectify it. Reverse or waive the charge. |
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Jun 29 2017, 10:37 PM
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#85
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(rhodon @ Jun 29 2017, 10:34 PM) they will refund. but now my problem is how about my record in ctos or ccris? It may dent your CCRIS.But you should have asked them not to penalize that.  |
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Jun 29 2017, 10:38 PM
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#86
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(fruitie @ Jun 29 2017, 10:37 PM) Only if you have missed payment will affect your CCRIS. If you have paid above minimum payment should have no issue. Min payment won't dent CCRIS? |
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Jun 29 2017, 11:16 PM
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#87
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(rhodon @ Jun 29 2017, 11:12 PM) i actually dont really know the differences between ctos and ccris CTOS report is not so helpful. It only tells you if you have any financial dispute from anybody including companies. i got the online ctos, is clear but the report is 7 June. wait till next month 7th then see. CCRIS is more important in this sense as it has all your financial related information from each banking institution in Malaysia. |
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Jun 29 2017, 11:20 PM
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#88
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(rhodon @ Jun 29 2017, 11:18 PM) ooh. ok. and may i know what is mean CCRIS can be checked for free via BNM kiosk? where and what is bnm kiosk? is it the online one like this https://ctosid.ctos.com.my/ctosid_new/Main BNM is only available at BNM branches and selected AKPK. CCRIS report can be printed for free at there. Alternatively, you can buy CCRIS report from 3rd party like CTOS with a small amount of fee. But this CCRIS report will conceal certain info. On the other hand, CTOS is FOC. You can get it for free by registering yourself with CTOS. This post has been edited by David83: Jun 29 2017, 11:21 PM |
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Jun 29 2017, 11:29 PM
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#89
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(rhodon @ Jun 29 2017, 11:27 PM) ya, more clear now. the one is saw is ctos. but i cant see where is ccris for me to buy? is the one around RM25? Yes. The RM 25 will give you CCRIS and generate a CTOS Score for you. |
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Jun 29 2017, 11:44 PM
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#90
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All Stars
52,874 posts Joined: Jan 2003
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There's a bug in CIMBClicks.
This morning on my CIMB CR MC, there's a "Statement Ready" label on the left side. But in fact, the statement is not ready when you tried to pull the e-statement. Hope they fix it. LOL |
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Jun 30 2017, 12:26 AM
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#91
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(sonotme @ Jun 29 2017, 11:52 PM) hmm.. you sure you check the correct statement month? I checked for June. It said not ready! |
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Jun 30 2017, 06:55 AM
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#92
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All Stars
52,874 posts Joined: Jan 2003
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SI for TIME Fibre doesn't have 2% CB:
TimeDotCom SHAH ALAM (HDMY |
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Jun 30 2017, 08:15 AM
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#93
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(DarReNz @ Jun 30 2017, 08:13 AM) someone has previously reported if non SI only get 0.2%, will update this too Non SI sure 0.2% CB Mine is SI (Auto Debit signed up at TIME Self Care). |
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Jun 30 2017, 08:39 AM
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#94
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(djhenry91 @ Jun 30 2017, 08:36 AM) i thought 1st page already state tht SI no cash rebate? As I checked yesterday, no. It's OK. I don't have better card also. Auto debit gives me RM 2 discount from TIME. First page mentioned QUOTE Time dotCom portal (Time Broadband) I think this is referring to 5% online CB not 2% SI CB This post has been edited by David83: Jun 30 2017, 08:54 AM |
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Jun 30 2017, 10:58 AM
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#95
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(rhodon @ Jun 30 2017, 10:49 AM) talk to 3rd cs, keep on reassure me nothing happen to CCRIS. anyone know is it once kena finance charge then will enter CCRIS already? i tot CCRIS is bank send to BNM, so cimb cant see their CCRIS for me? During credit facility application, banks can see your CCRIS record but they won't share with you the details. |
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Jun 30 2017, 12:32 PM
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#96
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All Stars
52,874 posts Joined: Jan 2003
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How come Taobao HZ is classified under groceries?
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Jun 30 2017, 02:04 PM
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#97
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All Stars
52,874 posts Joined: Jan 2003
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My purchase from Lazada using PC is entitled for 5% CB.
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Jun 30 2017, 05:58 PM
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#98
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(enixcv123 @ Jun 30 2017, 03:13 PM) Further update: Why there's such discrepancy?I have checked with them and purchased via LZD apps only get 0.2% rebate. They categorized it as "Other rebate" . Apps is not online?  |
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Jun 30 2017, 09:12 PM
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#99
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(Asmasw2020 @ Jun 30 2017, 09:11 PM) Can i use my cimb credit card to pay for utilities? Which CIMB credit card? |
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Jun 30 2017, 10:02 PM
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#100
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All Stars
52,874 posts Joined: Jan 2003
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QUOTE(Asmasw2020 @ Jun 30 2017, 09:37 PM) Platinum mastercard Not the Cash Rebate Mastercard? |
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