instant 0 credit approval card

GatHer your FaMily & Friends to Join us & you’ll Be reWarded instantly! Dear Valued Direct Access Cardmember, Frequently asked questions q. How are the rewards given? a. For every approved new to bank Principal Direct Access FREE FOR LIFE Platinum/Gold Card application, you will receive RM50 cash. q. When can i expect to receive the cash reward? a. The cash reward will be credited into your Direct Access credit card account, 20 days from the successful referral’s credit card approval date. q. if i used another application form instead of the form coded with “MGM 0104”, will i be entitled for the rewards? a. To be eligible for the rewards, you must use the application form which is coded with “MGM 0104” only. q. Can i use photostat copies of the direct access credit card application form for potential referrals? a. Yes, provided application form is coded with “MGM 0104”. terMs & Conditions : 1. The Member-get-member (MGM) Programme is valid from 1 January to 31 December 2008. This Programme is open to all Principal and Supplementary Direct Access Cardmember only. 2. This Programme is not open to all employees of CIMB Bank Berhad (CIMB Bank), including its subsidiaries and related companies. 3. At the time of participating in this Programme, all Direct Access cardmembers’ credit card must be valid. 4. Every approved new-to-bank Principal Direct Access credit card application is regarded as a “Successful Referral”. All existing Principal and Supplementary Direct Access cardmembers are not regarded as new-to-bank. Each successful Platinum/Gold referral introduced by the cardmember is worth RM50. 5. The use of photostated copies of the Direct Access credit card application form coded with “MGM 0104” is allowed. 6. Incomplete “Introducer” details in the application form will not be considered for the Programme. 7. Only the use of application forms coded with “MGM 0104” will be applicable for the Programme. 8. Application approved after 31 December 2008 will not be considered as approvals for this Programme. 9. Rewards made to cardmembers for the Programme, is neither transferable nor exchangeable for any other form of reward. Rewards will be credited into the cardmembers’ Direct Access credit card account 20 days from the successful referral’s credit card approval month. 10. CIMB Bank’s decision on all matters arising from the Programme will be final and binding on all participants of the Programme. 11. CIMB Bank reserves the right to cancel, terminate or suspend the Programme with or without any prior notice. 12. CIMB Bank reserves the right at its absolute discretion to vary, delete or add to any of these Terms and Conditions from time to time without prior notice. 13. By participating in the Programme, participants agree to be bound by these Terms and Conditions. Fees and CHarGes Annual Fee Direct Access FREE FOR LIFE Platinum / Gold Credit Card For Graduates & Professionals. Card Type Principal Supplementary Platinum RM388 Gold receive instant rM50 Cash today! Introduce as many new cardmembers and receive RM50 CASH for every approved credit card application! Fr RM194 ee For l RM150 iFe RM75 Joining Fee Finance Charges No joining fee. The charges are : (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. Finance charge for cash transaction is 1.5% per month or 18% per annum. 2 easy steps to Cash & rewards! STEP 1 : Fill in your details at the bottom right-hand corner of the application forms coded with “MGM 0104” (so that we’ll know whom to reward) and pass these forms to your family members and friends to submit. Mail the application form (s) to Direct Access right away for your reWards! STEP 2 : Free thumbdrive For new Cardmembers! New cardmembers will receive a thumbdrive absolutely FREE upon first usage of their Direct Access MasterCard within 1 month from card approval date. Offer ends 31 December 2008. Hurry, introduce as many people as you can and enjoy cash and rewards! For more information, please call 03-6204 7878. Yours sincerely, Jean Yap Head Direct Banking and Cards Cash Advance Fee 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. 5% of the outstanding balance or a minimum of RM50. 1% of the total outstanding balance as at statement date or a minimum of RM10, whichever is higher, capped to a maximum of RM100. Full payment on previous statement balance Enjoy an interest-free period of 20 days for all new retail transactions from statement date. Partial or minimum payment on previous statement balance No interest-free period. A finance charge will be levied on your unpaid outstanding balance and all new transactions from the date the transactions are posted. Minimum Monthly Repayment Late Payment Charge Interest-Free Period Conversion For Overseas Transactions The conversion rate as determined by MasterCard International or VISA International and no additional administration cost is imposed by the Bank. direct access is a division of CiMB Bank Berhad [13491-P] The Way Banking Should Be tel : 03-6204 7878 SIRIM MGM 0 1 0 4 Certified to ISO 9001:2000 Cert. No. : AR 1350 an inVitation reserVed For Graduates & ProFessionals requireMents Income Platinum Card Gold Card Principal Supplementary : RM80,000 per annum : RM24,000 per annum : 21 years old : 18 years old i WisH to aPPly For tHe FolloWinG Cards (Please ✔) : u MasterCard & VISA Platinum The Way Banking Should Be u MasterCard & VISA Gold SIRIM 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 1. 2. 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 No. Relationship Acted As Guarantor (Indicate Yes or No) Certified to ISO 9001:2000 Cert. No. : AR 1350 Minimum Age Note : Additional credit cards will share a combined credit line. My Personal details Full Name as in NRIC : u Mr My FinanCial PartiCulars (FaX or sCan suPPortinG doCuMents) u Miss u Madam u Dr u Others Gross Annual Salary : RM Other Income Per Annum : RM Name to appear on Card (Not more than 19 letters) : Date of Birth (DD/MM/YY) : Old I/C No. : Nationality : Malaysian My eMerGenCy ContaCt Person (relatiVe / Friend not stayinG WitH Me) Name : Relationship : Home Tel : 1 New I/C No. : Marital Status : u Single Sex : u Male Qualifications : ✔ u University / Professional Institute u Married u Widowed u Female u Divorced Office Tel : Mobile Tel : 2 Number of Dependents : My BillinG and Card ColleCtion instruCtions Mailing / Billing Address : u To Home Courier instruction for credit card : u To Home 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. 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. (Fax or scan degree certificate) u To Office u To Office ‘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 [13491-P] (“CIMB 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 CIMB Bank may deem fit, for any purposes which CIMB Bank deems fit. I/We hereby request CIMB 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 CIMB Bank’s Cardmember agreement (“Cardmember Agreement”), which will be sent to me with the credit card(s) upon the approval of this application, and 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 CIMB 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 CIMB 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 Information System ( “CCRIS” ), a database maintained by BNM. In addition thereto, CIMB Bank is hereby irrevocably and unconditionally authorised to disclose any information or particulars given by me/us herein to any person(s) in or out of Malaysia and for such purpose(s) as CIMB Bank deems fit, proper or necessary at any time. I/We understand that the credit card(s) when issued shall at all times remain the property of CIMB Bank and must be duly returned upon request by CIMB Bank. I/We further agree liability 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. My HoMe address Residential Address : otHer BankinG serViCes Yes, I would like to apply for the following services : u Overdraft Facility (subject to eligibility & minimum income requirement is RM60,000 p.a.) u Credit Card PIN (to access ATM and CIMB Clicks online statement) My sPouse details Postcode : Residence is : u Owned - No-Loan u Employer’s Home Tel : E-Mail : Permanent Home Address if Residential Address is Employer’s or Rented : u Owned - With-Loan u Parents’ / Relatives’ Mobile Tel : u Rented Years There : Full Name as in NRIC / Passport : New I/C No. : Company Name : Office Tel : Mobile Tel : - - My suPPleMentary Card Home Tel : Full Name as in NRIC / Passport : u Mr u Miss u Madam u Dr My Personal seCurity Code Mother’s Maiden Name : u Others Name to appear on Card (Not more than 19 letters) : Nature of Business : Date of Birth (DD/MM/YY) : Old I/C No. : Nationality : My eMPloyMent details (FaX or sCan Business Card) Name of Company : Address : Postcode : Principal Applicant’s Signature : Date : Supplementary Applicant’s Signature : Date : New I/C No. : - - introduCer seCtion a0001 IMPORTANT! Please complete this section to allow for your cash rewards to be credited into your credit card account. u Salaried Employee Position : u Self-Employed Years There : Office Tel : Relationship to Principal : Mother’s Maiden Name (for verification purposes) : Note : The Supplementary card will share the Principal credit line unless specified otherwise. Introducer’s Details Name : NRIC No. : Card No. : - - Please fax or scan the completed application form (together with your i/C (front & back), business card and degree certificate) to the following: Fax: 03-2381 5533 or e-mail: mktgda@cimb.com