hi guys, hope some ppl can help me out here. Usually pay my CIMB Cash Rebate from Cimb Clicks directly on 1st of the month (statement due 17th).

When selecting to pay, do you guys usually click statement balance or full balance? Most of the time, full balance will be higher charge than statement balance.

However, for my DEC 2017 statement, my full balance was lower than statement balance. So of cos la I click full balance.

Come Jan 2018, I kena finance charge rm24. According to the customer rep, it's cause I paid Full balance instead of Statement balance. Wtf? I thought full balance means clear all debt. Not my fault if they included the cash rebate in the calculation right? Anyone kena before?

You have to pay statement balance. It's common for CIMB, they don't treat cash back as a form of payment and will charge you for financial charges.

If it's your first time to be charged, try to ask for waiver. They may consider to waive.

You paid in full and you should not be charged further as you even paid those that had not been stated in the last statement... but for RM24, that's alot too... that's weird... 

You paid in full and you should not be charged further as you even paid those that had not been stated in the last statement... but for RM24, that's alot too... that's weird... 

For CIMB, must pay statement balance. As simple as this.
It could be when he paid his full balance that time it is lesser than statement balance after minus off cash back.

I didn't know would kena punish if paid full balance. It's one of the options they gave so happened to be lower. lol not like I sendiri calculate.
All the cash back I thougth they usually only minus off next statement? hmm confused.
anyway yea will just stick to statement balance from now on.

Why CIMB cards so stingy? Lounge access also must spend RM100k per annum to maintain? Which CIMB card is comparable to Maybank Card Premier 2?

How to ask for breakdown of my cash back in this case?
just email them? 

my last few email with them never go smooth..
wait for weeks only reply me ask for Ic and name..
after that no sound again...
got email template or some 1 can teach me how to talk to them? 

if you feel you have been short changed, check post #3 

For CIMB, must pay statement balance. As simple as this.
It could be when he paid his full balance that time it is lesser than statement balance after minus off cash back.

Hmm, now I'm slightly worried. For the first time I just paid full for my CIMB cards. The cashback for each card is like just a few cents.
But CIMB doesn't allow paying less than RM1 to my card though.

yes, you will get cashback, but just 0.2% under "Other Retail or Online"

Hmmmm didn't know could ask for waiver. Already just paid everything. Sheesh lesson learnt just to pay statement balance and not full balance.
Exactly. I thought full balance means all settled no further outstanding. Tbh i don't even know how they ended up at rm24.

your cashback, few cents, is always AFTER statement date, right?

so, just pay the statement balance lor. it has no impact
with the few cents excess, you ARE going to use the card for future spending, right? These transactions will effectively offset the few cents anway.

I'm actually planning to stop using the card, which is why I paid full. I usually just paid statement.
For a few months, the cards were only used to pay for RM20 Unifi autopay. Now that I have Maybank Barcelona, CIMB CR is now useless, so I'm stashing it in my drawer.

Sorry if this is asked before, I got two premium lounge vouchers from my CIMB visa. Can I use that to bring my parents in? I will be present together as well.

I already have other cards to bring myself in.

Hi guys, i am a bit confused here, regarding the statement and also full balance. For example, my statement balance is


Then here is the amount i saw in my account:


And I paid only the amount after the cash rebate reduction. Will this kena the finance charge as well? As my current outstanding is RM 0.00.

Thanks.

Hi guys, i am a bit confused here, regarding the statement and also full balance. For example, my statement balance is


Then here is the amount i saw in my account:


And I paid only the amount after the cash rebate reduction. For all this while i paid only the outstanding amount. Will this kena the finance charge as well? As my current outstanding is RM 0.00.

Thanks.