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

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dragonteoh
post Jul 22 2017, 04:52 PM

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anybody using CIMB Preferred Visa Infinite Card ?

I got this card from CIMB since 2 years back and never use it until recently (coz i use CIMB Cash Rebate Card more).

I remember when the bank offer this card to me, they say is Free for life (that time this card was just launch if i not wrong even i din meet the requirement )

2nd years holding this card i receive a post mail say that my CIMB acc does not have 200K , ask me top up or else card will be cancelled....

Call CS , CS say ignore it , the card is offer 1st 3 year FOC... no matter account got 200K or not....

Got such thing ?? Not free for life ka ?





This post has been edited by dragonteoh: Jul 22 2017, 05:21 PM
dragonteoh
post Jul 22 2017, 06:00 PM

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QUOTE(sonotme @ Jul 22 2017, 05:58 PM)
that card i think no use..  sweat.gif  sweat.gif
*
Agree , beside goto airport for 10% discount on Eraman and the Airport lounge ...
other then that....... Useless..... laugh.gif

that's why i keep in drawer for 2 years until i got travel ..

dragonteoh
post Jul 22 2017, 06:06 PM

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QUOTE(KeSToN @ Jul 22 2017, 05:39 PM)
yea not free for life
have to invest with them or have 200k in their account
if you make an investment with them via unit trust or whatever method, don't need 200k, half of that is more than enough i think (discuss with your local branch manager)
usually they will give u a letter telling by a certain date if no money in bank or investment made, they will downgrade the card
*
Downgrade is ok , as long as don't charge me annual fee or other fee will do sweat.gif

This post has been edited by dragonteoh: Jul 22 2017, 06:06 PM
dragonteoh
post Jul 22 2017, 06:17 PM

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QUOTE(KeSToN @ Jul 22 2017, 06:13 PM)
i think the downgraded card got no annual fee too
just that the benefits are different
*
hmm.gif let's see what card they will offer later, if useless just potong laugh.gif
free space for other better card laugh.gif

This post has been edited by dragonteoh: Jul 22 2017, 06:17 PM
dragonteoh
post Jul 24 2017, 09:38 PM

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QUOTE(DarReNz @ Jul 23 2017, 08:23 AM)
there's no longer any 10 or 15% discount between CIMB and Eraman, this card is mostly used for PPL and dining privileges
*
Yup , ended after april ... cry.gif
dragonteoh
post Jul 24 2017, 09:39 PM

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QUOTE(KeSToN @ Jul 22 2017, 06:52 PM)
i think the replacement card is the visa signature card (it comes with 2 lounge pass per year)
something like that
but no more preferred status with the VI card
*
Well 2 lounge pass also ok, since only travel once to twice a year. cool2.gif
dragonteoh
post Jul 24 2017, 09:53 PM

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QUOTE(David83 @ Jul 23 2017, 08:15 AM)
After calculation, I think Lazada with this description doesn't entitle to 5% CB:

Lazada KUALA LUMPUR MY
*
Oh No.... cry.gif

I just buy about RM300+ item from lazada website..
cimb clicks shows Lazada KUALA LUMPUR MY.........


but still not sure got CB 5% or not ...gonna wait till 29 this month... ohmy.gif

This post has been edited by dragonteoh: Jul 24 2017, 09:58 PM
dragonteoh
post Jul 24 2017, 09:59 PM

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QUOTE(fruitie @ Jul 24 2017, 09:55 PM)
So far E-Cart is pretty safe and I still got cash back... All the best to you.
The thing is cannot predict which name will be posted.
*
hmm.gif maybe on clicks it shows Lazada MY , in statement will became E-Cart.....

This post has been edited by dragonteoh: Jul 24 2017, 10:00 PM
dragonteoh
post Jul 24 2017, 10:05 PM

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Not sure CIMB Cash Rebate Platinum Card holder facing this issue or not..

I'm am using CIMB Cash Rebate Platinum card, statement date is 28 each month.
Cash rebate came out on 29.

Mostly i make payment on 1st or 2nd each month , during make payment i choose FULL PAYMENT (which is the amount i owe minus cash rebate), mana tau at the end kena financial charge reason is i pay not enough amount.

Call CS , CS say i should choose STATEMENT , else system will think i pay not enough ....... And CS say i should not deduct the Cash Rebate (Pay more ok la...pay less then the statement account sure will trouble)

dragonteoh
post Jul 24 2017, 10:12 PM

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QUOTE(DarReNz @ Jul 24 2017, 10:03 PM)
time for you to ditch visa platinum and apply quantum cards  icon_idea.gif
*
hmmm... time for PB Quantum Card hmm.gif as 2nd card for online purchase.
dragonteoh
post Jul 24 2017, 10:13 PM

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QUOTE(fruitie @ Jul 24 2017, 10:07 PM)
Common issue here. Rule of thumb: For CIMB CR, pay full statement balance and not after deducting the cash back. CIMB doesn't treat cash back as payment.

DarReNz suggest to put this as reminder in first post, if you haven't done so.
*
Phew.... sweat.gif lucky the CS cancel the financial charge biggrin.gif
dragonteoh
post Jul 24 2017, 10:23 PM

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QUOTE(David83 @ Jul 24 2017, 10:17 PM)
Meaning.
Statement X
New swipe posted on the same date of the cash back posted or after it that you planned to clear (my practice is to clear outstanding ASAP) = Y

Payment amount by due date = X + Y or X and not X - CB
*
Same as my practice.....here swipe , there pay ... rclxms.gif
dragonteoh
post Jul 24 2017, 11:13 PM

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QUOTE(SzeMeng76 @ Jul 24 2017, 10:54 PM)
My practice was pay when I receive my statement.
Because happened before I forgot to pay back by due dateĀ  doh.gif
*
Me scare bank charge and scare forget, mostly here swipe there pay or bill come sure pay laugh.gif
(Bank mau earn my money memang susah cool2.gif biggrin.gif )

This post has been edited by dragonteoh: Jul 24 2017, 11:13 PM
dragonteoh
post Jul 24 2017, 11:37 PM

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QUOTE(David83 @ Jul 24 2017, 11:32 PM)
It's already full.

0.002 x RM 46.38 == RM 0.09
*
Recently Lazada need to spend RM200 on specific credit card day only can get RM20 cash back... =_=
i more prefer the old % cash back which no min purchase ....

add on now CIMB CR might give only 0.2% CB.....
ish... gonna grab Quantu* liow...
dragonteoh
post Jul 24 2017, 11:58 PM

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QUOTE(adamhzm90 @ Jul 24 2017, 11:57 PM)
if they stopped online spending 5% cb, there's no use keeping this card i guess sad.gif
*
I think 11Street / Lelong still ok ba.....
and other online purchase such as Domino Pizza.

Since is no annual fee, still can keep it.

This post has been edited by dragonteoh: Jul 24 2017, 11:59 PM
dragonteoh
post Jul 25 2017, 12:05 AM

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QUOTE(David83 @ Jul 25 2017, 12:00 AM)
-deleted-
TIME fault
*
Don't forget the Cross Border Fee as well on Fave and others.
dragonteoh
post Jul 25 2017, 12:13 AM

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QUOTE(fruitie @ Jul 24 2017, 11:59 PM)
If for Lazada only, time to shift to other cards.
Prepaid card it seems.. hmm.gif
*
This CIMB Lazada Prepaid Mastercard

Under Promotion period is up to 15% CB which max cap RM25 / Month (On all lazada spend)
while Non Promotion Period is only 1% CB which max cap RM25 / Month (On all lazada spend)
while other then lazada purchase is 0.5% CB which max cap also RM25 / Month...

Beside that Annual fee RM10 leh...

Not worth unless you are heavy lazada user.

This post has been edited by dragonteoh: Jul 25 2017, 12:15 AM
dragonteoh
post Jul 30 2017, 10:27 AM

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Dear Admin,

Please add this to 1st page

NSK - Selayang - get 2% CB

BIG Supermart Sdn Bhd - Taman Sri Gombak - get 2% CB (Not B.I.G , that one i din try yet)

Mydin - Jalan TAR - get 2% CB



JomPay - still 0.2% CB , no change

AIG Car Insurance (via Kurnia CC terminal) - still 0.2% CB , no change

Lazada - still 0.2% CB , no change (I saw my lazada delivery order it shows pay by HelloCC) - time for PB Quantum card for this , too bad AMEX not accepted by lazada, else i can use that card at weekend to get 5% CB. rclxub.gif

Lazada - REFUND, No CB puke.gif

This post has been edited by dragonteoh: Jul 30 2017, 10:34 AM
dragonteoh
post Aug 12 2017, 11:07 AM

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I just call CIMB CS just now regarding the Lazada CB 0.2% issue.

The fellow reply me that from system, they found that Lazada key in manually , not consider online, so 0.2% is correct....

Ask me call Lazada =_= , i told her many people complain can get back cash back but why i can't , then she say she donno why other can. But system record is shows manual key in, so is lazada's merchant issue. and CIMB cannot give back the balance cash rebate.

Ask her send email , she refuse, say cannot.

Phone call 17 Minutes which lots of advertisement crab....

I think email them is more better as got black and white which easy to forward to Lazada + cc to BNM

This post has been edited by dragonteoh: Aug 12 2017, 11:09 AM
dragonteoh
post Aug 13 2017, 12:07 PM

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QUOTE(DarReNz @ Aug 12 2017, 04:03 PM)
yeap just check out post #3  nod.gif
*
Done. biggrin.gif
Hope they wont give me the same excuse that Lazada's manual key in again. puke.gif

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