1 / 3 Direct Access Credit Cards for Joint Marketing Partner I Wish To Apply For The Direct Access Joint Marketing Partner Credit Card (Please )

Transcription

1 1 / 3 Direct Access Credit Cards for Joint Marketing Partner I Wish To Apply For The Direct Access Joint Marketing Partner Credit Card (Please ) Logo Prefessional Body / University Alumni Fellow / Associate / Graduate / Affiliate Member Please ( ) SMSA Membership No. The Nutrition Society of Malaysia (NSM) The Nutrition Society of Malaysia (NSM) 8971 The Malaysian Institute of Human Resource Management (MIHRM) The Malaysian Institute of Human Resource Management (MIHRM) 8990 The Malaysian Institute of Certified Public Accountants (MICPA) The Malaysian Institute of Certified Public Accountants (MICPA) 8935 The Malaysia Airlines Pilots Association (MAPA) The Malaysia Airlines Pilot Association (MAPA) 8981 The Incorporated Society of Planters (ISP) The Incorporated Society of Planters (ISP) 8972 The Institute of Internal Auditors Malaysia (IIAM) 8940 The Chartered Institute of Logistics & Transport, Malaysia (CILT) The Chartered Institute of Logostics & Transport, Malaysia (CILT) 8929 The Association of International Accountants (A.I.A) The Association of International Accountants (A.I.A) 8934 The Technological Association of Malaysia (TAM) The Technological Association of Malaysia (TAM) 8922 Persatuan Alumni Universiti Malaya (PAUM) The Persatuan Alumni Universiti Malaya (PAUM) 0228 Persatuan Alumni Doktor USM (PADU) The Persatuan Alumni Doktor USM (PADU) 8902

2 2 / I Wish To Apply For The Direct Access Joint Marketing Partner Credit Card (Please ) u WORLD MasterCard u Platinum MasterCard Notes : Additional credit cards will share a combined credit line. *Documents required, non-returnable : 3 A photocopy of I/C (both sides, enlarge) 3 Business Card 3 Income Documents Income Minimum Age REQUIREMENTS WORLD MasterCard Platinum MasterCard Principal Supplementary : RM150,000 per annum : RM 24,000 per annum : 21 years old : 18 years old MY PERSONAL DETAILS u Mr u Miss u Madam u Dr u Others Full Name as in NRIC : MY SPOUSE DETAILS Full Name as in NRIC / Passport : New I/C No. : u MyKad u MyTentera u MyPolis u Passport Old I/C No. : Nationality : M A L A Y S I A N Name to appear on Card (Not more than 19 letters) : Number of Dependents : Marital Status : u Single u Married u Widowed u Divorced Sex : u Male u Female MY HOME ADDRESS Residential Address : MY EMPLOYMENT DETAILS Name of Company : Nature of Business : Address : Position : Office Tel : - Postcode : u Salaried employee u Self-employed Years there : Annual Income or Salary : My total monthly installments with non-banks (if any) MY PERSONAL SECURITY VERIFICATION Mother s Maiden Name : Postcode : Residence is : u Owned - No loan u Owned - With loan u Rented u Employer s u Parents / Relatives Years there : Home Tel : Alternate Tel : Mobile Tel : (Mandatory for Transaction Alert Service) Office Tel : Mobile Tel : MY EMERGENCY CONTACT PERSON (RELATIVE / FRIEND NOT STAYING WITH ME) Name : Relationship To Principal Cardmember / Applicant : Contact No. : MY BILLING AND CARD DELIVERY INSTRUCTIONS Please Send My Statement To : u Home u Office Please Courier My Card To : u Home u Office u For my collection at CIMB Bank branch ACCESS TO ATM AND CIMB CLICKS INTERNET BANKING u Yes, I wish to apply for a credit card PIN to access the ATM and CIMB Clicks. MY SUPPLEMENTARY CARD DETAILS u Mr u Miss u Madam u Dr u Others Full Name as in NRIC / Passport : Name to appear on Card (Not more than 19 letters) : New I/C No. : u MyKad u MyTentera u MyPolis u Passport Old I/C No. : Date of Birth (DD/MM/YY) : Nationality : Sex : u Male u Female Alternate Tel : Mobile Tel : (Mandatory for Transaction Alert Service) Relationship to Principal : Mother s Maiden Name (for verification purposes) : u Yes, I would like to nominate a credit limit for this supplementary application of Notes : 1. The Supplementary Card is applicable to immediate family members. 2. The total combined credit limits cannot exceed the Principal Cardmember s current approved credit limit. If no nomination is made specifically, the Supplementary Card will share the Principal credit limit.

3 3 / 3 TRANSACTION ALERT SERVICES Alert me if transaction exceeds (The Bank s default value applies if left blank) u u RM2,000 u RM3,000 u RM5,000 u I wish to unsubscribe from Transaction Alert Services (By checking this box you will stop receiving any Transaction Alerts for your CIMB Bank Credit Card. DECLARATION (BY INDIVIDUAL BORROWERS) IN CONNECTION WITH BANK NEGARA GUIDELINES ON CREDIT TRANSACTIONS AND EXPOSURES WITH CONNECTED PARTIES Please complete this declaration section if any of the below is applicable to you. (No declaration from you denotes that it is not applicable). 1. u I am a staff of the CIMB Group u To the best of my knowledge, I have close relative(s) 2 employed under the CIMB Group or has acted as my guarantor. Particulars of my close relative(s) in CIMB Group : Name I/C / Passport No. Relationship Acted As Guarantor (Indicate Yes or No) u Yes u No u Yes u No DECLARATION SECTION I/We hereby declare and certify that all the information given by me/us in this application is true, accurate and complete. Notwithstanding the generality of the foregoing, I/we confirm that CIMB Bank Berhad (the Bank ) is authorised to verify and/or make any checks and/ or obtain any information and/or confirmation, with or from any credit reference agencies, and/or from any financial institution, on me/us and/or any other person, individual and/or entity as the Bank may deem fit, for any purposes which the Bank deems fit. I/We hereby request the Bank to issue, upon approval of this application, the credit card(s) which I/ we have indicated. I/We acknowledge that the use of the credit card(s) issued to me/us shall be subject to the Bank s Cardholder Terms and Conditions ( Cardmember Agreement ) which is available in CIMB Bank s website at and which will be sent to me/ us with the credit card(s) upon the approval of this application, and I/we further agree to be bound by the terms and conditions set forth in the Cardmember Agreement upon issuance or use of the credit card(s). I, the Principal Applicant further agree to accept joint and several liability for all amounts incurred arising from the use of the principal and/or supplementary credit card(s) issued pursuant to this application or at any time thereafter at my and/or the Supplementary Applicant s request. I/We further understand that the Bank shall not hold the Supplementary Applicant jointly and severally liable for the debts or amounts incurred by the Principal Applicant or other Supplementary Applicant(s). I/We, acknowledge that the Bank reserves the sole and absolute right to decline or reject my/our application(s) without assigning any reasons therefore. I/We also acknowledge that it is a requirement by Bank Negara Malaysia ( BNM ) that all information relating to this application, whether successful or otherwise, must be updated and/or transmitted to the Central Credit Reference Information System ( CCRIS ), a database maintained by BNM. Subject to the provisions below which (i) prohibit disclosure of information to companies within the group of the Bank as well as companies within the group of CIMB Group Holdings Berhad, the Bank s ultimate holding company (collectively Group Companies ) if objected to by me/us; and (ii) require my/our express consent for disclosure of information to third parties for the stated purposes, I/we hereby agree and authorise the Bank to disclose to any of its agents, service providers, auditors, legal counsel, professional advisors, security providers and guarantors in or outside Malaysia and to Group Companies, whether such Group Companies are residing, situated, carrying on business, incorporated or constituted within or outside Malaysia, any information relating to me/us, my/our affairs and/ or any accounts maintained by me/us with the Bank for facilitating the business, operations, facilities and services of or granted or provided by the Bank and/or the Group Companies to their customers as the Bank deems fit or appropriate. Disclosure to Group Companies shall be for facilitating the operations, businesses, crossselling and other purposes of the Bank and/or the Group Companies provided always that disclosure for cross selling purposes shall not be effected if such disclosure is objected by me/us by contacting the Bank at the following telephone number or address (which may be changed by the Bank from time to time by notice to me/us): 19th Floor, Menara Bumiputra Commerce, 11 Jalan Raja Laut, Kuala Lumpur, Tel No.: I/We understand that the credit card(s) when issued shall at all times remain the property of the Bank and must be duly returned upon request by the Bank. I/We further agree to accept liability for all amount incurred arising from the use of my/our credit card(s) issued pursuant to this application or at any time thereafter at my/our request. I/We hereby confirm having read, understood and retained a copy of the product disclosure sheet containing key information relating to my application for the credit card(s). Where the Bank intends to share my/our information (excluding information relating to my/ our affairs or account) with third parties for strategic alliances, marketing and promotional purposes. Please tick ( 3 ) u We hereby give my/our consent to the above disclosure to third parties. u I/ We do not consent to the giving of the above disclosure to third parties. 1 CIMB Group means CIMB Bank Berhad or CIMB Islamic Bank Berhad or CIMB Investment Bank Berhad or other subsidiaries or companies controlled by the aforesaid respective banking institutions. 2 Close relative(s) include parents / spouse of staff including the spouse s dependents children / spouse of the children / brother and sister / spouse of brother / sister and any other dependents and persons who may influence / be influenced by the staff. Principal Applicant s Signature : Date : Supplementary Applicant s Signature : Date : Please fax or scan the completed application form (together with your I/C (front & back) and business card) to the following: Fax: or cardsmktg@cimb.com *All documents submitted are non-returnable.

4 (Read this Product Disclosure Sheet before you decide to take up the CIMB Bank / Direct Access credit card. Be sure to also read the general terms and conditions.) CIMB Bank / Direct Access Credit Cards Date: 1 September What is this product about? This is a CIMB Bank / Direct Access credit card with a line of credit granted by us to you. If any amount of the credit utilised by you is not settled in full on / or before the due date, the unsettled amount will be subject to finance charges. If you are at least 21 years old but are unable to prove your annual income, you will need to place a fixed deposit with CIMB Bank of an amount equal to the credit limit granted to you. The fixed deposit must be kept with us for as long as the credit card facility is available to you. 2. What do I get from this product? Credit limit: To be determined at the sole discretion of the Bank. Finance charges: As indicated below (i) Retail Transaction: (a) 1.25% per month or 15% per annum if you have promptly settled your minimum payment due for 12 consecutive months (b) 1.42% per month or 17% per annum if you have promptly settled your minimum payment due for at least 10 months in a 12 month cycle (c) 1.50% per month or 18% per annum if your payment record is not within either (a) or (b) above To enjoy lower finance charges for retail transactions, you should make at least 10 prompt payments in the last 12 months. (ii) Cash Advance: Finance charge for cash transaction is 1.5% per month or 18% per annum. The daily cash withdrawal limit is equivalent to the Cardholder s prescribed credit limit (for Direct Access Credit Card) and eighty percent (80%) of the Cardholder s prescribed credit limit (for CIMB Credit Card) subject however to (i) the applicable daily withdrawal limit of any ATM of the Bank or of any other bank or institution with whom the Bank has an arrangement(s) for the use of the ATM of the said bank or institution in the case of cash withdrawal through an ATM; and (ii) the cash withdrawal at any one time not causing the aggregate outstanding balance of the Cardholder s obligation to the Bank to exceed the Cardholder s prescribed credit limit. (iii) Balance Transfer: Plan Tenure Interest Rate Minimum Transfer (p.a.) Amount Plan A Plan B Plan C Plan D 6 months 12 months 18 months 24 months 0% 10% 11% 12% The interest rates applicable for the respective Plans will start from the date the balance transfer is posted to your account. After the expiry of the relevant Plan, the finance charges referred to in sub-paragraphs (i) (a), (b) and (c) above will be imposed on the outstanding balance. 3. What are my obligations? Minimum monthly repayment: 5% of the outstanding balance or a minimum of RM50.00, whichever is higher. Finance charges free period: (a) For new retail transactions - you enjoy 20 days finance charges free period from the statement date, only if you pay the balance in full and on time. However if you do not pay in full and on time, finance charges on such retail transactions will be calculated from the posting day of the transaction. (b) There is no finance charges free period on balance transfers or cash advances. As the principal cardholder, you are liable to all transactions incurred by the supplementary cardholders. 4. Notice On Paying Only Minimum Monthly Repayment The following table illustrates the amount of interest incurred and the repayment period, under different outstanding amount scenarios if you continue to pay only the minimum amount. The computations are based on 5% minimum payment or RM50, whichever is higher, at a finance charge of 18% provided there are no new transactions. This calculation is based on 30 days a month. Examples under different outstanding amount scenarios Outstanding balance (RM) 3,000 5,000 10,000 Repayment (RM) Pay only min amt 150 Pay 250 Pay only min amt 250 Pay 350 Pay only min amt 500 Pay 650 Repayment Period (Month) Total Interest Incurred (RM) , What are the fees and charges I have to pay? Annual Subscription Fee Direct Access Card Type WORLD Infinite Platinum Gold Principal WAIVED FOR LIFE Supplementary Government Service Tax Cash Advance Fee Balance Transfer Fee Over Limit Fee Card Replacement Fee Dishonoured Cheque Fee Sales Draft Retrieval Fee Additional Statement Request Fee Other Fee & Charges Conversion For Overseas Transaction Direct Access RM50 - each Principal Card RM25 - each Supplementary Card The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance transaction RM10 for first replacement & RM50 for every subsequent replacement RM15 per copy RM5 per monthly statement The conversion rate as determined by MasterCard International, Visa International or JCB International plus an administrative cost of 1% plus any transaction fee charged by MasterCard / Visa / JCB International 6. What if I fail to fulfil my obligations? Late payment penalty charges: If you do not make the minimum payment by the due date, we will charge you 1% of the total outstanding balance as at the statement date or a minimum of RM10.00 whichever is higher, capped to a maximum of RM Right to set-off: We have the right to set-off any credit balance in your account maintained with us against any outstanding balance in this credit card account. Liability for unauthorised transactions: You will be liable for all unauthorised transactions used on the Card if you have acted fraudulently or failed to inform CIMB Bank as reasonably practicably after you have discovered that the Card is lost or stolen. However, your liability for unauthorised transactions as a consequence of the Card being lost or stolen is limited to RM for each Card provided you have not:- (i) acted fraudulently; or (ii) failed to inform CIMB Bank as reasonably practicably after you have discovered that the Card is lost or stolen Where a PIN is used in respect of any Card transaction, you are deemed to have used the Card and you cannot allege that such transaction was unauthorised as a consequence of the Card being lost or stolen. Suspension or termination of card: If you default in your repayment or breach any of the terms and conditions of use of the Card, we may suspend or terminate your Card and may decide not to reinstate the Card even after you regularize your account. If you use your Card for any unauthorised purpose or in an unauthorised manner (eg. for on-line gambling purposes, illegal activities, allowing another person to use the card, etc) we may terminate your Card. Use of card and Personal Identification Number (PIN): You are under a strict duty to keep your card and PIN safe at all times and to prevent the loss, theft or fraudulent use of the Card and to prevent the disclosure of your PIN. You must report any loss and/or theft of the Card or PIN disclosure to CIMB Bank and to the police immediately followed by written confirmation to CIMB Bank together with a copy of the police report within seven (7) days from the date of the loss and/or theft and/or disclosure of the PIN. You may be held liable for any unauthorised transactions should you fail to do so. Monthly statements: You must check your monthly statements thoroughly and immediately. Any discrepancy must be reported to the Bank immediately as failure to do so may cause you to lose your right to challenge the discrepancy.

5 7. What if I fully settle the balance before its maturity? (For balance transfer) Lock in Period Early Settlement Balance Transfer (Month) Nil 8. What are the major risks? If you pay only the minimum amount due, it will take you longer and cost you more to settle the outstanding balance. Think about your repayment capacity when charging the credit card. The finance charges imposed on the outstanding balance for this credit card is based on a tiered pricing structure in accordance to your repayment history. If you use your credit card to make repayment for other financing, it may cost you more. If you have problems paying for your credit card balances, contact us in advance to discuss repayment alternatives. You should notify us immediately after having found that your credit card is lost or stolen. 9. What do I need to do if there are changes to my contact details? It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner. 10. Where can I get assistance and redress? If you have difficulties in making repayments, you should contact us earliest possible to discuss repayment alternatives. You may contact us at: CIMB Bank Card Centre Add : Level 2, Menara SBB, 83 Medan Setia 1, Plaza Damansara, Bukit Damansara, Kuala Lumpur. Tel : (CIMB) or (Direct Access) Fax : / cardcentre@cimb.com Alternatively, you may seek the services of Agensi Kaunseling dan Pengurusan Kredit (AKPK), an agency established by Bank Negara Malaysia to provide free services on money management, credit counselling and debt restructuring for individuals. You may contact AKPK at: Add : Tingkat 8, Maju Junction Mall 1001, Jalan Sultan Ismail, Kuala Lumpur Tel : enquiry@akpk.org.my You may also join the Pengurusan Wang Ringgit Anda (POWER) Programme offered by AKPK that promotes financial discipline and prudent financial management. For further information or to register, please call AKPK at or visit the website at If you wish to complain on the products or services provided by us, you may also contact us at: *CIMB Bank Card Centre Add : Level 2, Menara SBB, 83 Medan Setia 1, Plaza Damansara, Bukit Damansara, Kuala Lumpur. Tel : (CIMB) or (Direct Access) Fax : / cardcentre@cimb.com If your query or complaint is not satisfactorily resolved by us, you may contact Bank Negara Malaysia LINK or TELELINK at : Add : Block D, Bank Negara Malaysia Jalan Dato Onn, Kuala Lumpur Tel : Fax : bnmtelelink@bnm.gov.my 11. Where can I get further information? Should you require additional information on credit cards, please refer to the banking info booklet on Credit Cards, available at all our CIMB Bank branches nationwide and the website or log on to com.my If you have any enquiries, please contact us at CIMB Bank Card Centre s address as above*. 12. Other credit card products available: Please refer to CIMB Bank and Direct Access credit card table.** IMPORTANT NOTE: LEGAL ACTION MAY BE TAKEN AGAINST YOU IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR CREDIT CARD BALANCES. The information provided in this disclosure sheet is valid as at 01/09/12.