i found that cimb card kinda no standard for application. Last time fresh grad apply VS using degree holder, 2k salary that time, apply because KLIA got discount and free for life. surprisingly they approved with 50k CL. then keep until now, suddenly they offer me WMC 2 years back. until now still zero transaction. haha....VS i think less than rm1000 total spend for few years. Since i got WMC then i just cancel my VS.

that's y i always wondering, y they can direct offer me card higher than their listed min income? doesnt it need to go thru BNM also for approving?
UOB even ridiculous, i dont have their credit card(no income doc for them) i only have club card from them during apply for their club which is using the card for all the dining inside the club, subscription fee, etc. then suddenly they offer VI for me. Also another useless card...

maybe some advice for those who doesnt hit minimum req friends, apply for the cheapest FFL card, then maybe one day suddenly they offer u better card.

This post has been edited by qu3vax: Jul 31 2018, 12:27 AM

Your 'these days' mean since when? i got offered in 2016 and 2017.

of course if you are new to a bank, all document is required and need to go thru bank's ISO for approving as well as BNM.
what about those existing customer that being offered for higher level card who didnt hit min requirement for that specific card?

Can someone enlighten me the first row CIMB LAZADA PREPAID MASTERCARD CR MYR 348.44


My Current Balance
is MYR 355.12

What is that? All the reload and spend shown clearly but i do not understand what is this for. The transaction date and posting date is so weird. It's not cash back 1% because 1.67 have shown for my RM167 reload into lazada wallet.

Suddenly credit this amount to me, any idea?

This post has been edited by qu3vax: Aug 25 2018, 12:16 AM


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When lazada implemented their wallet. Refund will in their 'Refund' section and need to click manually to revert back to your bank account. And somemore i checked no refund in lazada also. My saving account transfer into this card is under the same online banking account which tally also, i didnt reload extra into this card.

haha, this is a credit i am not planning to have a chit chat session with CS, a debit will definately complaint 99...

Any more idea what is that? The description and posting/transaction date is so weird. That's the day i apply for this lazada cimb card, 30-7, which i dont see there is any promotion under this card except 15% cash rebate
so you see me reload RM167 into lazada wallet to entitle cb.

no refund wo, lazada wallet balance + + - - correct. lazada cimb which of course only use this card for lazada. It's been my account for few days already and now still exist. So far i know CIMB is kinda lousy for their account and system but then bank hardly got credit given free to people... i still dont believe is error but i really cant located any hints of all my transaction where this money come from.

annual fee will be refunded.

and also refund on the next month. So will receive this month statement i guess.

i transfer the 348.44 back to my CASA, nothing was deducted from CASA, maybe will wait for next month statement to figure out what is the amount exactly is...

Finally a card to get more discount in airport after so many yearssssss! i thought of cancelling it since just charged me sst. Looks like good to retain.

This post has been edited by qu3vax: Oct 26 2019, 01:39 PM

yes

BP 3k give u 0.1% cb,RM3.
then the mentioned categories all give u 5% CB.
If you think u can get rm30(spend rm600) from autodebit/petrol/other 5% categories, then u should reload rm 2400 to bp only for more effective spend.

it's normal than normal. it happens everyday everywhere. even u put ur card in the freezer since day 1 also have the chance to have fraud transaction. just file dispute to the bank and u will get back the money.

how rm60?