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Today I checked my credit card bill, and to my shocking, I saw two charges from CIMB bank on my credit card bill:
1. Late Charges = RM34.66
2. Finance Charges = RM36.59
I paid my bill on 10 July 2009, and I think the due date was 06 July 2009. Ok, I was few days late, so I understand that there will be some charges, but I didn’t expect it to be that much!
My total dued amount was only RM3465.68, and the total charges / penalty above is RM71.25, which is equivalent to 2.056% of the total amount that I dued! If you calculated annually, that is equivalent to 24.67% annual charge that CIMB charged you!Â
Licensed Ah Long, I don’t know how can this Ah Long still exist legally. Realising the crazy rate, I have immediately paid my this month CC bill now. It would be crazy to let CIMB get another cent from my pocket. Crazy…
bro, get another credit card… transfer all your credit over to the new credit card and enjoy 6.99% or lower rates annually and get free gift somemore…
hey new friend. ok interest so carzy lor.. i thing you chance to islamic. because islamic no take interest.. you just pay duit perhidmatan..
I suggest you can call them up, be nice about it, apologize, etc and they’ll refund both. I speak from experience but not with CIMB so if they refuse to do so, take your business elsewhere. If they value you as a customer, they’ll do the right thing.
My experience is with Citibank (5 times by now) and they’ve always refunded the charges (including interest). The charges are system based but they can reverse it out.
They know u BIG boss of SSK and been printing $$$ at home.. so RM34.66 and RM36.59 is nothing for u.. ‘easy easy water’ lar. kekeke…
maybe their boss (cimb) got purchase len from u b4, but too expensively. so they charged u to return back his $$$. ^___^.
“pandainya”
ya…last time i paid the bill only 1 day late. CIMB already charge me RM50 something.. and actually i paid half of the bill and left about RM1500 only. 🙁
don ever use cc if u dont dare to pay the interest…hahaha
interests will always bite u everytime u use cc…hahaa
I was juz abt ot apply CIMB CC…gosh..i think im not goin to apply it after reading to your comments…
Paid my payment on time but cannot use the cards ; EX. Pasyment dued 10.9. Paid on 9.9. used carfs once for petrol RM50. Then off to Supermarket on 16 .9. Cards failed. Have to rush to ATM take cash. Have twice already. Think better cancel the cards. Whar type of service is this . Bikin malu sahaja.
I have bad experience with Citibank credit card, they levied the monthly “Credit Shield Plus” charges, although I always paid my bills in full immediately upon receipt of the monthly statements
RM50 will be imposed to all card next yr and yet many of my friends had > 6 cards. Choice is in your hand. Time to make balance transfer and maintain only one. Finally Dont pay late.
My past experiance, I got Free TV and many things if you really know how to manage your card
I called bank to check on my balance since i did not recieve the statement. it is one hour now i waited on the phone listening to the answering machine.. FUHHHHH……….
Hi there, can anyone advise which cc has better interest for balance transfer.. I’ve got RM6K on my current one… although i pay more than minimum.
What’s with the islamic cc? Is it better?
CIMB charges me RM70 for my wife’s supplementary card. I just went to terminate it today, since my wife has her own credit card now and rarely use the CIMB card. No way I am going to pay CIMB the RM70.
Always use your cc after Statement Date and pay before or on Due Date.
Haha.. CIMB always like that. I’ve kena so many times..
CIMB CC really has a lousy system and customer care
it is true if u are a corporate client of most bankers. when i overlooked my personal cc payment n late a few days, they also charged me but i adopt government style n ‘thiew’ them and always get full refund. taking about strong arm tactics over small money… but it is more of personal satisfaction..
For those who owns credit cards: Please set up a direct debit from your saving account the moment you received your new credit card. It is definitely not worth buying something on credit if you know you are not able to pay and let the bank charge you HUGE percentage of interest and financial charges – absolutely not worth doing it. If you know you saving account has no money left, then you should wait and don’t use your credit card until you have $$ again.
I am current EON credit card holder. I noticed that my bill always not tally. Very sucks. The statement detail very messy.
Very hard to trace. I always found out the balance not tally. But i am not a organized person. So i have no proof to show them transaction usage not tally with balance. SAD. Every month also like that. Sometime short RM1K which i need to pay for it. Their billing system really got problem. So i started aware of it. I tried to use 2 transactions which around RM300.00. The Total Balance for that card is RM3000.00. The charges correct but the available balance is RM2000.00. Where is my another RM700.00 gone?
Why My available balance short RM700.00?
SAD.
me staying at Sarawak sometimes get my bill few days after the due date…i called them up and they say it’s not their fault. wasted my telephone money calling 03 number and have to wait so many minutes listening to the pre-recorded music/messages before the customer service representative answer my call….at the end no money refunded and I wasted few ringgit for the call.
Last month I got penalty again for late payment. I followed the advice above by calling CIMB credit card center, asked to lift the late payment fee and charges. They said they will submit the request for processing, but not guarantee if it will be lifted.
This month, I saw in my new credit card bill there are reverse of the penalty and late charges of last month.
Good. 🙂
that’s good. My practice now is to pay CC bill online at the end of the month. So wish my CC can deduct direct from my bank account. That will save some headaches.
If forgot to cancel my credit card which annual date is on august, and when the bill comes in early september, UOB charge RM50 for the cc tax. Then before i pay anything, i terminate my cc. Do you think i still need to pay for the card??
iam very upset with mbf credit card service lately i receive an a letter from mbf credit card they will revoke my restucture plan cause since past 4 month ago i receive their lawyer letter on behalf of mbf cause my ex bosses did not paid my salary on time so i go to mbf tower to do personal loan from mbf montly pay rm80 for restucture plan.
can i still applying any credit card from another bank while iam still at bkack list at bnm,today i just apply an cimb credit card, i also submited all the document to cimb.is they woula approved my cc.
past over 2 month ago,i withdraw rm2000.00 from uob cc on mid of july,but stattment post it to on early september,i had no idea what is going on with their service,butt they still charge late payment rm20.00 n also penalty rm20.00 from uob bank.idislike their service n also the attidute.
uob bank give me an very bad image,if cimb would approved my credit card i will do balance transfer to cimb bank card.so i dont have to worried any more.or either eon bank credit card i can do balance transfer.
uob had an a very very poor customer service & also very bad image.i also try to do balances transfer to eon bank cc lately,can i request additional rm1000.00 to up grade in eon cc.
can i apply cimb cc with using to do balance transfer from uob to cimb cc.if successful i no need to paid to uob bank cc.how long would they approved?i i wanted try to use cimb bank cc.
Balance Transfer really helped me to save on interest. With RM5000 amount transferred, I saved around RM740 interest paid in 12 months. Once the 12 months period ended, I will repeat the Balance Transfer process with other credit card.
I’m using CIMB credit card — so far my experience for the last 3 years, I find their services excellent. Also there was once I delayed payment by 1 day but upon calling them they cancelled the overdue interest charges.
I’m using CIMB CC too. As Jessie said their services is excellet. I guess maybe you should try now with CIMB. Better then my Citibank.
IM USING CIMB CARD ALSO.THEIR SERVICES IS GOOD AS LONG U KNW HOW TO READ THE STATEMENT AND ALSO SERVICES IS GOOD IF U NOT ACT LIKE TOO ‘PANDAI’ WHEN SPEAK WITH THEM.
I have been using my CIMB cc since 2005. Have used Citibank, Maybank and Standard & Chartered cc, but have found CIMB services are good, and longer repayment period if u charge yr purchases after the statement date ( u only need to pay the following month with no extra charges). Once I was 2 days late in paying due to unforseen circumstances, called up the service center (at midnight!)and the guy who answered was super nice and no charges imposed on me. Compared to Maybank, I called at 8 pm. no answer at all. tried repeatedly for 4 hours and only got their machine. Since the RM50 tax, I only keep my CIMB cards. Paying full amount monthly helps in getting good services, too!
CIMB CC truly sucks, bad service, often there are no one pick up the call for tens of minutes, I am making enquiries to convert to other card, and she starts to educate me I have to use how much in a year or else I ‘ll be charged the annual fees, Hey, I am your valued customer that give business to you, don’t you treat me like nobody, after all I think you people really dont care as there are millions other are using your card.. Shame on you to declare yourself as one of the leading banking player in the region.
Only one word, ‘SUCCKSS!!’. I’m a new user and on that particular day, I made payment for my CC through the Cash Deposit Machine, and unfortunately, I overpay and I wanted my money back. Called the service center, and all she can say, ‘We can’t give you the money back but it will be put into advanced payment’. ‘What the F***, I want my money back. I accidentally overpay, fuc*er!What advanced payment?why no other method?Why are you holding my money?I will choose how to keep the money, not you!’-of course, I didn’t say it out loud..T_T…all i say was ‘okay….’.Ball-less me.
Its not about more or little – its percetage based, if u take a card sparw time and care to read the t n c … If u ignore then pandai2 bayar la frend… If u undersrand what is percentage based la . Tc bye
New user- its a credit card not your savings acc. And pls understand since u said accidentaly – accidents hurt so deal with it – and ya u cant f*** the Bank . Its always your ffault not ours… Haha
All credit cards are credit cards. Use them instead of carrying a pocket of ringgit. Pay what u’ve spent b4 end of statement date. U’re in trouble if u use them as ‘borrowing money’ for 10 pay for 1. So I would say Credit Cards help us! I’ve use to order goods from China, yes I’ve recvd the goods as ordered. Dont blame the banks… u u ada sakit ka.
i using cc cimb bank, their services very good!