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

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SUSDavid83
post Sep 5 2018, 05:24 PM

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QUOTE(wilson1149 @ Sep 5 2018, 04:57 PM)
No waiver for the SST.

Say goodbye to my cimb cards.

BTW call centre agent offer rm10 rebate if i keep the card & swipe rm200 .  sweat.gif
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RM 10 < RM 25 (CST) doh.gif
SUSDavid83
post Sep 7 2018, 03:04 PM

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QUOTE(Sumofwhich @ Sep 7 2018, 03:02 PM)
Good catch, thanks. Will not swipe laugh.gif
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Seldom bank will credit CB as fast as PBB campaign.
Normally it'll be 8-12 weeks after the campaign ends.
SUSDavid83
post Sep 8 2018, 10:27 AM

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QUOTE(addison250 @ Sep 8 2018, 10:16 AM)
Hi, anyone know whether lazada cimb debit card will be charged rm25?
Thanks
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No. Debit card is out of scope!
SUSDavid83
post Sep 8 2018, 12:25 PM

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QUOTE(MGM @ Sep 8 2018, 12:22 PM)
That one is a prepaid mastercard not debit card.
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Big Pay not taxed for CST right?
Same concept.
SUSDavid83
post Sep 8 2018, 01:27 PM

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QUOTE(MGM @ Sep 8 2018, 01:25 PM)
What is CST, not SST?
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No different. Card Service Tax or SST
SUSDavid83
post Sep 8 2018, 03:16 PM

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QUOTE(McAwesome @ Sep 8 2018, 03:07 PM)
Hi, this is going to be a long one.

I have recently been rejected for a SC credit card (first credit card) where min. salary is 24000 annum. I make well above 60k per year and have a car loan (with only 2 late payments of one month in separate occasions). My credit report on CTOS and RAMCI is Good and Strong respectively. Tried reaching out to SC but they do not want to provide reason. Called in Ringgitplus (or one of those credit advisors) for advice and they were also weirded out. They advised me to just apply for CIMB (as that is the bank I use and where salary comes in). I did it on the day after receiving the SC rejection as they advisors told me it does not matter - only bad when you apply for so many credit cards at once. So went to CIMB bank yesterday and asked them the same thing they just ask me to apply. Since I earn above 60k they told to apply for CIMB Visa Signature.

Now to my question, kinda worried as the only documents the bank staff took from me was my payslip - not IC not EPF. Do you think they are actually running my application (did not even receive an application number.

Second, should I have waited for a month or so before applying for a credit card?

Third, should I have opted for a "smaller" (requiring lower annual salary) credit card versus CIMB Visa Signature?

Lastly, and most important question, will they be checking my CIMB saving account? That is where my salary goes in but I normally withdraw all the money out monthly and transfer it to my separate savings/checking account in Standard Chartered. Worried that they will see my bank account is less than 1k and reject me OR that they assume I don't know how to keep money.
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1. Existing customer of CIMB. A merely payslip is sufficient as other details can be easily obtained from their system. If they need more supporting documents, the card centre staff will contact you.

2. What RP said is true. Wait or not wait doesn't really matter unless you have too much concurrent applications ongoing at several financial institutions. CCRIS will track all your applied credit facility applications for the past 12 months. Cooling period is applicable if you're applying for the same bank again after being rejected or you cancel the card.

3. If you don't want that CIMB VS, you should have clearly stated to the bank officer that you want other cards. You can give reason for better benefits from other cards.

4. Doesn't really matter. It depends if they want to check or not. Unless you opt for pledged FD CC.

This post has been edited by David83: Sep 8 2018, 03:21 PM
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.
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
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.
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.
SUSDavid83
post Sep 24 2018, 09:34 AM

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QUOTE(Rudd @ Sep 24 2018, 09:30 AM)
» Click to show Spoiler - click again to hide... «


Thank you all. I just need it so i can track my cc bill online.

2nd question; If i want to pay my cimb credit card bill using 3rd party online banking, will i be charged extra fee?
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You should refer to that particular bank online portal.

Most of them are free under Instant Interbank Fund Transfer up to RM 5.
And GIRO IBG could be 10 cents or free.
SUSDavid83
post Sep 26 2018, 10:01 AM

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QUOTE(hidz7 @ Sep 26 2018, 09:57 AM)
hi all, I have the CIMB Cash rebate card, however not sure whether the rebate for groceries only applies to specific Tesco only? i.e. Tesco Extra Puchong and Melaka?

Because I would usually do grocery shopping at Tesco Nilai, so meaning that I will not be entitled for the 2% cash rebate?
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They track using MCC code.
As long as it uses the grocery MCC mode.
SUSDavid83
post Sep 26 2018, 10:09 AM

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QUOTE(hidz7 @ Sep 26 2018, 10:05 AM)
I see. How do I know that that specific merchant uses MCC code for groceries? Sorry for asking too many questions.

Other alternative is to track my online statement i guess.
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You won't know unless you call CS immediately after you swiped.
So far for physical store, Tesco Extra and Tesco should be using same MCC.
Not sure about Tesco Online.
SUSDavid83
post Oct 2 2018, 01:19 PM

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QUOTE(timo1003 @ Oct 2 2018, 01:12 PM)
Hi guys. Would like a confirmation. When I applied for the cimb cash rebate mc card a fews years back they also gave me the standard platinum mc cc. Both these cards have a combined limit.

Checked through the website and this thread, don't see any use for it, can i safely assume that i can cancel the normal platinum card without affecting the cash rebate cc, ie. it's more like PBB Quantum Cards situation (can cancel either visa/mc) and not like the former MBB M2Cards that were bundled together (before the recent change)?
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Both cards shouldn't be tied together.
As far as I know, CIMB doesn't have such product like MBB and PBB.
You should be able to cancel the non beneficial card easily.
SUSDavid83
post Oct 6 2018, 08:28 AM

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CIMBClicks down again.
No notice of scheduled downtime.

SUSDavid83
post Oct 11 2018, 10:02 PM

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QUOTE(MNet @ Oct 11 2018, 10:00 PM)
CIMB website issue?
unable to login to cimbclicks account
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No problem at all! Can login!
SUSDavid83
post Oct 12 2018, 10:08 AM

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QUOTE(jiangchen @ Oct 12 2018, 10:06 AM)
My Cash Rebate recently had a CC ACQ Cash Back of RM 150, anybody have any idea what is it?
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New sign up promo?
SUSDavid83
post Oct 17 2018, 06:41 AM

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QUOTE(ClarenceT @ Oct 17 2018, 06:29 AM)
Not sure. Just wait for the email loh.
Last time, CTOS need 1 hour to collect the data then generate the latest report.
But this time, I log-in and found the latest report immediately.
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I logged in to that CIMB link last week.
Until today, I still haven't receive the new report.
After logged in, the shown report is still old as in 2016.
I didn't any button to click to "redeem" for the promotional report.
SUSDavid83
post Oct 18 2018, 07:28 PM

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QUOTE(David_Yang @ Oct 18 2018, 07:24 PM)
CIMB preferred Infinity Card gives you 4 times access to Plaza Premium Lounge a year.

My problem, I did not count, don“t know if I used 3 or 4 times already. How to find out? Will they tell you at the PPL entrance that you used 4 times already and will be charged? Or will I find out a terrible surprise on the next CC bill sad.gif
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Call CIMB CS to check for it?
SUSDavid83
post Oct 24 2018, 06:36 AM

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QUOTE(perplexedstill @ Oct 24 2018, 12:58 AM)
May i know how to check when sst will charged to your card?
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Call CS for exact details.

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