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 13 2017, 07:29 PM
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#1
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All Stars
18,413 posts Joined: Oct 2010 
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Haven't used this card ever since Posonline stopped accepting CC. Undecided what to do with it. Want to cancel it to reduce my total CL in credit report as some said it affects chances of CC application. Want to keep it cos no AF n can use for discount in online purchase like Lazada.
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Oct 17 2017, 03:26 PM
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#2
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(fruitie @ Oct 17 2017, 03:16 PM) Coming November, I will cancel my CIMB CR with supp along. I will keep the Enrich Plat for GL vouchers and reduce my CL to a very minimum amount as it is very high now. Does this really matter, high total CL affects future application?I have plans to apply other cards from other banks and high limit may not help my future applications.  |
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Oct 17 2017, 04:07 PM
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#3
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(fruitie @ Oct 17 2017, 03:42 PM) Well, I have a feeling it may due to income vs. total limit. Not sure if it is a truth or myth but since it is my inactive card, no point keeping such a high limit. I should start reducing CL of rarely used cards too cos all my new applications have been rejected lately. |
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Nov 6 2017, 04:32 PM
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#4
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(il0ve51 @ Nov 6 2017, 03:30 PM) I just called to disable my CIMB CB card. Was offered 15(instant)+15(Upon using 200). i accepted it and plan to use on 11/11 sales. What reason u gave to cancel the card b4 they offered rm15+rm15 to u?spend 200 get 30. woot 15% cash rebate regardless the spend. |
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Nov 6 2017, 05:36 PM
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#5
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(reapermax @ Nov 6 2017, 05:25 PM) You just need to tell CS that CIMB has no longer online rebate benefit and wish to terminate your CIMB CBP card. That is what I did and CS said ok but i need to make payment for outstanding transactions first and she will proceed to cancel my card, no offers at all. Haven't been using the card for the last six months except last week, could this be d reason?Then they will offer you RM15 and if you spend RM200 within 30 days, you will get another RM15 from them. |
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Nov 7 2017, 11:15 AM
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#6
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(wjleong15 @ Nov 7 2017, 11:12 AM) my supp card also got it DId u specifically ask for the 15+15 for the supp card?so I got 15+15 after swipe 200+200 will get another 15+15 total 60 for 400 swipe quite interesting to know supp also can get  fruitie |
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Nov 7 2017, 11:15 AM
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#7
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(wjleong15 @ Nov 7 2017, 11:12 AM) my supp card also got it DId u specifically ask for the 15+15 for the supp card?so I got 15+15 after swipe 200+200 will get another 15+15 total 60 for 400 swipe quite interesting to know supp also can get fruitie |
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Nov 10 2017, 08:55 AM
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#8
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(Duckies @ Nov 9 2017, 09:20 AM) I am quite surprised too. Just now called to cancel and I was told I got the rebate for all 3 cards. 1 principal + 2 supplementary. I will get 15 + 15 + 15 up front and another 15 + 15 + 15 if I managed to swipe 200 + 200 + 200. The RM15 given upfront took how long to reflect on CIMBclicks after your call? Mine already 4 days and have yet to appear.Not a bad deal. Gonna use it and cancel it after that  |
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Nov 13 2017, 03:50 PM
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#9
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(Duckies @ Nov 13 2017, 08:40 AM) No script wo. I just called and said I wanna cancel then the service center guy automatically offered the 15 + 15 rebates. He said it's for all principal + supplementary cards. Mine opposite, credited to principal acc but not supplementary. Gotta call CS again.So far I only saw the 15 rebates for my supplementary card. Haven't see it for my principal card yet  |
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Nov 24 2017, 03:20 PM
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#10
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(bluebay @ Nov 24 2017, 01:40 PM) Ok.. I'll just clear the outstanding (which is not in the statement yet) and call up the cs.. Don't settle d outstanding yet if u want d 15+15 offer. Call CS to request card cancellation, n if u r not offered 15+15, CS still can't cancel d card due to outstanding balance. Then request for the offer. |
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Nov 24 2017, 05:02 PM
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#11
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(DarReNz @ Nov 24 2017, 04:34 PM) anyone who cancels will get the offer it seems Most but not all. |
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Dec 1 2017, 08:22 PM
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#12
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(HMMaster @ Dec 1 2017, 05:02 PM) Not sure if anyone shared... not specific for CIMB, but useful for CIMB CR. Wanted to see the T&C at mastercard.com.my/tap but link is not correct. |
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Dec 2 2017, 04:53 AM
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#13
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(dh13 @ Dec 2 2017, 01:05 AM) This link to a promo which already ended in 23 November. |
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Dec 2 2017, 07:57 AM
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#14
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(cybpsych @ Dec 2 2017, 05:57 AM) only Tesco and Watson's ended in Nov. But that Watson's promo(rm10 for rm100) is diff from d promo shown here(rm10 for rm40). |
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Dec 6 2017, 12:01 PM
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#15
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(chinti @ Dec 6 2017, 09:55 AM) hey guys just wanna ask how long it takes for balance transfer to b approved? i applied for the 6 months 0% interest balance transfer yesterday and was wondering how long it takes Is this 6 months 0% interest balance transfer offered to existing cardholder too? |
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Dec 8 2017, 10:05 PM
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#16
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All Stars
18,413 posts Joined: Oct 2010
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QUOTE(Gamerjim @ Dec 8 2017, 09:36 PM) I thought they will offer at the same time u call up to cancel the card? That's what I read from this thread here.. If u r not offered, can always request. |
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