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

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SUSDavid83
post Jun 29 2017, 03:38 PM

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QUOTE(Tellmeyourstory @ Jun 29 2017, 03:33 PM)
Not sure if this is covered, but is it safe to say that we will get the 5% cash rebate so long the payment gateway is ipay88, e-GHL, jompay?
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Jompay ---> 0.2% rebate; no CB if government related service (I think)
ipay88 ---> depends on merchant I believe; 11street and Starbucks Online
e-GHL ---> not sure about this
OKLY
post Jun 29 2017, 03:49 PM

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QUOTE(Tellmeyourstory @ Jun 29 2017, 03:33 PM)
Not sure if this is covered, but is it safe to say that we will get the 5% cash rebate so long the payment gateway is ipay88, e-GHL, jompay?
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No not safe to assume that way.

I believe CIMB picks up certain keyword from the merchant name that will appear in your statement as well. Example, paying telco bill for webe, if you pay through webe's website via iPay88, the merchant name that will appear will be iPay88*webedigital (something like this) and CIMB's system will pick that up and not give the 5% since this is under mobile bill payment.
jay2you
post Jun 29 2017, 05:04 PM

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QUOTE(sparktzm @ Jun 11 2017, 12:23 PM)
Anybody apply during rm150 lazada voucher promotion and already receive the voucer?
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I'm curious too as I haven't receive also. Where is the TnC for this promo again? anyone can share the link?
rhodon
post Jun 29 2017, 09:31 PM

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need help here, my CIMB CASH REBATE card bill payment got FINANCE CHARGE RM0.41
May i know what is it? i didnt apply anythings from cimb....and i dont have any late payment, always full payment.

This post has been edited by rhodon: Jun 29 2017, 09:37 PM
SUSDavid83
post Jun 29 2017, 09:40 PM

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QUOTE(rhodon @ Jun 29 2017, 09:31 PM)
need help here, my CIMB CASH REBATE card bill payment got FINANCE CHARGE RM0.41
May i know what is it? i didnt apply anythings from cimb....and i dont have any late payment, always full payment.
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Which balance you paid?
Statement balance in full?
Or Statement balance - cash back amount?
rhodon
post Jun 29 2017, 09:43 PM

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QUOTE(David83 @ Jun 29 2017, 09:40 PM)
Which balance you paid?
Statement balance in full?
Or Statement balance - cash back amount?
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statement balance full
SUSDavid83
post Jun 29 2017, 09:44 PM

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QUOTE(rhodon @ Jun 29 2017, 09:43 PM)
statement balance full
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Then you have to call CS for clarification.
rhodon
post Jun 29 2017, 09:46 PM

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QUOTE(David83 @ Jun 29 2017, 09:44 PM)
Then you have to call CS for clarification.
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is it mean the finance charge is something like late payment or not full payment?
SUSDavid83
post Jun 29 2017, 09:48 PM

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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?
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Finance charge is levied upon any unpaid statement balance in daily basis.
How you made the payment?
Perhaps your payment arrived late?
rhodon
post Jun 29 2017, 09:51 PM

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QUOTE(David83 @ Jun 29 2017, 09:48 PM)
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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i think maybe is because of this.
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?

This post has been edited by rhodon: Jun 29 2017, 10:22 PM
SUSDavid83
post Jun 29 2017, 09:54 PM

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QUOTE(rhodon @ Jun 29 2017, 09:51 PM)
i think maybe is because of this.
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?
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Your statement balance is RM 563.73.
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.
rhodon
post Jun 29 2017, 09:58 PM

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QUOTE(David83 @ Jun 29 2017, 09:54 PM)
Your statement balance is RM 563.73.
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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so is mean now i being charge late payment?
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...

This post has been edited by rhodon: Jun 29 2017, 09:59 PM
SUSDavid83
post Jun 29 2017, 10:02 PM

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QUOTE(rhodon @ Jun 29 2017, 09:58 PM)
so is mean now i being charge late payment?
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...
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Better call CS.
The 41 cents is interest on unpaid outstanding not late payment fee.
rhodon
post Jun 29 2017, 10:05 PM

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QUOTE(David83 @ Jun 29 2017, 10:02 PM)
Better call CS.
The 41 cents is interest on unpaid outstanding not late payment fee.
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ok.thanks
rhodon
post Jun 29 2017, 10:23 PM

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QUOTE(David83 @ Jun 29 2017, 10:02 PM)
Better call CS.
The 41 cents is interest on unpaid outstanding not late payment fee.
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just called, cs said is their mistake but cant do anythings if got bad record in ctos? is it true bank cant do anythings?

This post has been edited by rhodon: Jun 29 2017, 10:24 PM
SUSDavid83
post Jun 29 2017, 10:28 PM

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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?
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What they meant is their mistake?
Ask them to rectify it.
Reverse or waive the charge.
fruitie
post Jun 29 2017, 10:30 PM

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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?
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If it's their mistake, they should fix it and can easily refund to you.
rhodon
post Jun 29 2017, 10:34 PM

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QUOTE(David83 @ Jun 29 2017, 10:28 PM)
What they meant is their mistake?
Ask them to rectify it.
Reverse or waive the charge.
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they will refund. but now my problem is how about my record in ctos or ccris?
SUSDavid83
post Jun 29 2017, 10:37 PM

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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?
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It may dent your CCRIS.
But you should have asked them not to penalize that. biggrin.gif
fruitie
post Jun 29 2017, 10:37 PM

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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?
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Only if you have missed payment will affect your CCRIS. If you have paid above minimum payment should have no issue.

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