Cumulus Mastercard, Cembra Money Bank; Is Cembra the right partner for us?

Cumulus Mastercard, Cembra Money Bank; Ist Cembra der richtige Partner für uns?

As a long-standing Cumulus Mastercard holder, I am always and repeatedly annoyed by the way Cembra Money Bank treats us Migros owners: Harsh, ruthless, down from the high throne, goodwill deleted from the vocabulary! Do we really have the right partner here?
I will definitely be canceling my Cumulus Master myself. After all, what use are preferential conditions if Cembra dictatorially and ruthlessly demands horrendous fees for the slightest mistake out of its own delusions of grandeur and infallibility?

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All replies (16)

stecki

Then tell us something about this "dictatorial" approach and the "horrendous" fees. Simply blaspheming without concrete examples doesn't help anyone. Or are you one of those people who didn't pay the bill and are now blaming the company?

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Guest

@Bathia78 It is important to consider this form as binding ui

https://www2.cembra.ch/ext/cards/cumulus-mastercard/de/pdf/Cembra_Cumulus_MC_Feetable_D.pdf

... and also to use the e-service and check it daily because of the faster response time...

https://eservice.cembra.ch/internetbanking/?login&language=de

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destinici

Personally, I'm totally happy with Cembra. I've had the Master Card for 6 years and have never had any problems, they answer the phone immediately if you have any questions, they are competent and friendly. It's also by far the cheapest solution, no basic fee, everyone I know pays much higher fees when withdrawing money abroad, annual fee etc. Top in comparison!

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migi_family

I wouldn't be so sure anymore. Charges suddenly appeared on my bill that I couldn't assign. With the explanation that this was hidden in the terms and conditions.

Today I saw the following report:
https://www.srf.ch/news/schweiz/undurchsichtige-gebuehren-kreditkarten-aerger-waehrungszuschlag-fuer-einkaeufe-in-franken

There are indeed better credit card issuers than Cembra. In my opinion, the Migros philosophy does not suit this company.

About the Cembra portal: Non-transparent, slow response times, no e-bills. etc.
Others do it much better.

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Cumulus-Infoline

Hello everyone,

Unfortunately, we do not have any information regarding the fees charged by Cembra Moneybank.

I would therefore ask you to contact the bank directly and ask about this.

Best regards and have a nice weekend!

Elias

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WarmRed

Yes, Cembra is trying to find new sources of income, which is really not right. The media $hitstorm serves it right. The fact that Cembra still doesn't have a cost control app shows that it probably doesn't need to move with the times with Migros behind it.

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migi_family

In the meantime, I have to conclude that Cembra's last advantage is the collection of CUMULUS points. The card has no annual fee, which others also offer. So otherwise it no longer offers any advantage over other providers. On the contrary. Cembra tries to make money through hidden fees, poor payment practices (no e-bill, short payment periods) and other surcharges.

Otherwise, I only see disadvantages with this provider. Especially when it comes to transparency and traceability, my verdict is: "inadequate".

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hoopale

Small sample of the LSV form from Cembra Money Bank:
For every rejected account debit by the bank or post office as well as an unjustified
unjustified objection on your part, we charge a processing fee of CHF 30.

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Daliah2000

I have only had good experiences with Cembra Money Bank so far, including my daughter, who is abroad a lot on business. I pay my bills by direct debit and receive an e-mail each time a new bill is issued.

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smartcoyote

I haven't had any really bad experiences with Cembra so far (knock on wood...).

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