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Credit Cards CIMB Bank Credit Cards V7, Cash Rebate Platinum, up to 5%

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McAwesome
post Sep 20 2018, 06:34 PM

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Okay, so my credit card application for CIMB Visa Signature is being processed. I earn about 60k (which is the min. salary requirement) and was advised by a rep from CIMB to apply for it - I applied at the bank. Anyway, I always do a credit check every 3 months or so and saw that my current CIMB CC application (was requesting) for was a credit limit of RM2000 only. So, was wondering if I was approved will I only get a limit of RM2k in my CIMB Visa Signature (which I am aware is just super weird) OR did they purposely put a "lower" credit limit for easy approval and will be given a normal credit limit after? Hope my question makes sense.

I am aware that there could also have been a typo on their end and if so, what is the usual minimum credit limit given for Visa Signature?
skty
post Sep 20 2018, 06:40 PM

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QUOTE(McAwesome @ Sep 20 2018, 06:34 PM)
Okay, so my credit card application for CIMB Visa Signature is being processed. I earn about 60k (which is the min. salary requirement) and was advised by a rep from CIMB to apply for it - I applied at the bank. Anyway, I always do a credit check every 3 months or so and saw that my current CIMB CC application (was requesting) for was a credit limit of RM2000 only. So, was wondering if I was approved will I only get a limit of RM2k in my CIMB Visa Signature (which I am aware is just super weird) OR did they purposely put a "lower" credit limit for easy approval and will be given a normal credit limit after? Hope my question makes sense.

I am aware that there could also have been a typo on their end and if so, what is the usual minimum credit limit given for Visa Signature?
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.... just wait for the card to be approved and you will know the credit limit...
jiangchen
post Sep 20 2018, 11:12 PM

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Hi guys, new to the usage of credit card.

Does spending on the 28th of this month count into next month's total or this month's total?
ClarenceT
post Sep 21 2018, 08:30 AM

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QUOTE(jiangchen @ Sep 20 2018, 11:12 PM)
Hi guys, new to the usage of credit card.

Does spending on the 28th of this month count into next month's total or this month's total?
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Please specify your card type.
Different cards different ways to calculate rebate/reward.
jiangchen
post Sep 21 2018, 05:45 PM

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QUOTE(ClarenceT @ Sep 21 2018, 08:30 AM)
Please specify your card type.
Different cards different ways to calculate rebate/reward.
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I am using Cash Rebate.

Actually I mean to ask about payment only. smile.gif

This post has been edited by jiangchen: Sep 21 2018, 05:45 PM
cybpsych
post Sep 21 2018, 09:09 PM

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https://www.cimbbank.com.my/content/dam/cim...rds-II-21-9.pdf

user posted image
Rudd
post Sep 22 2018, 12:23 AM

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I need clarification about MasterCard CB
https://ringgitplus.com/en/credit-card/CIMB...MasterCard.html

what does it mean statement rm3000, cb 5%?

If i only use for petrol, then my monthly statement would be roughly rm300 only.

So I'm will not get 5% cashback?
!@#$%^
post Sep 22 2018, 12:27 AM

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QUOTE(Rudd @ Sep 22 2018, 12:23 AM)
I need clarification about MasterCard CB
https://ringgitplus.com/en/credit-card/CIMB...MasterCard.html

what does it mean statement rm3000, cb 5%?

If i only use for petrol, then my monthly statement would be roughly rm300 only.

So I'm will not get 5% cashback?
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yes as it says. less than rm3000 it's 2%
SUSDavid83
post Sep 22 2018, 12:33 AM

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This Statement Balance is more tricky that cumulative spending imposed by Citibank Cash Back or Standard Charted Just One.
ClarenceT
post Sep 22 2018, 08:04 AM

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QUOTE(Rudd @ Sep 22 2018, 12:23 AM)
I need clarification about MasterCard CB
https://ringgitplus.com/en/credit-card/CIMB...MasterCard.html

what does it mean statement rm3000, cb 5%?

If i only use for petrol, then my monthly statement would be roughly rm300 only.

So I'm will not get 5% cashback?
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CIMB-Petronas Mastercard will give you 3% everyday for <RM3k, or 7% for >RM3k.
Combined with Boost e-wallet (0.2% rebate and RM2 for cash-out, so no gain no loss) to achieve STATEMENT BALANCE >RM3k.

This post has been edited by ClarenceT: Sep 22 2018, 08:04 AM
ClarenceT
post Sep 22 2018, 08:11 AM

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QUOTE(jiangchen @ Sep 21 2018, 05:45 PM)
I am using Cash Rebate.

Actually I mean to ask about payment only.  smile.gif
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Pay the STATEMENT BALANCE (not outstanding balance!) within 20 days after the monthly statement/bill is issued.
Your transaction on 28/9 will take a few days to be posted but remain unbilled till a monthly bill (a fixed date every month) is issued.

For CIMB CR/Petronas Mastercard, AVOID advance payment (ie before statement is issued) as you need STATEMENT BALANCE >RM3000 to enjoy better rebate.

This post has been edited by ClarenceT: Sep 22 2018, 08:11 AM
kclamtarc
post Sep 22 2018, 11:22 AM

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QUOTE(ClarenceT @ Sep 22 2018, 08:04 AM)
CIMB-Petronas Mastercard will give you 3% everyday for <RM3k, or 7% for >RM3k.
Combined with Boost e-wallet (0.2% rebate and RM2 for cash-out, so no gain no loss) to achieve STATEMENT BALANCE >RM3k.
*
sounds like CIMB Petronas Mastercard is better than Cash Rebate Platinum now?
but from its official website I see the benefits is only until 31 Dec 2018.
https://www.cimbbank.com.my/en/personal/pro...mastercard.html

This post has been edited by kclamtarc: Sep 22 2018, 11:23 AM
SUSDavid83
post Sep 22 2018, 11:23 AM

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QUOTE(kclamtarc @ Sep 22 2018, 11:22 AM)
sounds like CIMB Petronas Mastercard is better than Cash Rebate Platinum now?
but from its official website I see the benefits is only until Dec 2018.
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CIMB Petronas Mastercard is only better for spending at Petronas.
The rest is the same as Cash Rebate Platinum (0.2% for others)

This post has been edited by David83: Sep 22 2018, 11:26 AM
kclamtarc
post Sep 22 2018, 11:25 AM

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QUOTE(David83 @ Sep 22 2018, 11:23 AM)
CIMB Petronas Mastercard is only better for spending at Petronas.
The rest is the same as Cash Rebate Platinum (0.2% for others)
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I see. I only want cash back for petrol and groceries. so Cash Rebate Platinum is still a better one for me i guess.
SUSDavid83
post Sep 22 2018, 11:26 AM

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QUOTE(kclamtarc @ Sep 22 2018, 11:25 AM)
I see. I only want cash back for petrol and groceries. so Cash Rebate Platinum is still a better one for me i guess.
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First question to ask your ownself is are you a Petronas pumper?
If yes, then CIMB Petronas Mastercard is offering 1% more.
If no, then Cash Rebate Platinum is better as it covers more category.
kclamtarc
post Sep 22 2018, 01:19 PM

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QUOTE(David83 @ Sep 22 2018, 11:26 AM)
First question to ask your ownself is are you a Petronas pumper?
If yes, then CIMB Petronas Mastercard is offering 1% more.
If no, then Cash Rebate Platinum is better as it covers more category.
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yes, that's what i am thinking too. i think i will just stick to Platinum because even though I pump Petronas, my Viva does not need to be fuelled too regularly. at the same time i buy groceries more often then i pump hehehe.
thanks bro !
SUSDavid83
post Sep 22 2018, 01:21 PM

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QUOTE(kclamtarc @ Sep 22 2018, 01:19 PM)
yes, that's what i am thinking too. i think i will just stick to Platinum because even though I pump Petronas, my Viva does not need to be fuelled  too regularly. at the same time i buy groceries more often then i pump hehehe.
thanks bro !
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Glad that you understand the logic well.
ryan18
post Sep 22 2018, 08:43 PM

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Someone by the name of VS Chong you drop your CIMB World mastercard at popular sunway pyramid.thanks
LostAndFound
post Sep 23 2018, 06:09 AM

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QUOTE(ryan18 @ Sep 22 2018, 08:43 PM)
Someone by the name of VS Chong you drop your CIMB World mastercard at popular sunway pyramid.thanks
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If wanna help better pass the card to a CIMB branch. Unlikely the person check lowyat to find his missing card.
kclamtarc
post Sep 23 2018, 11:44 AM

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QUOTE(LostAndFound @ Sep 23 2018, 06:09 AM)
If wanna help better pass the card to a CIMB branch. Unlikely the person check lowyat to find his missing card.
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your username makes you the best person to reply this post rclxms.gif

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