Jul 30 2018, 04:39 PM
QUOTE(cybpsych @ Jul 30 2018, 03:03 PM)
called CS and screwed them kawkaw for the abnormally slow, "blackhole" processing status.
and guess what: that 11 July "approval" was just date of processing in the sytem, not even approved! i submitted to branch just before Raya so, it took 1 month for the forms to "walk itself" over to affin cc dept then "walk into" the system. yep, that sounds about the right progress indeed.
asked to cancel the application instead, and guess what again, i cannot do that over call. i need to WRITE to them. good.
wrote one long nasty email to affin, cc-ed to BNM. few minutes later, one rep called and said to process my application (what?! again?). told her i'm expecting approval status, NOT processing progress which was not moving for the past 1mth+.
anyway, i told her to cancel the application ASAP without anymore delay, excuses, etc. told her i will keep monitoring this, just in case they conveniently "forgot" to terminate the card, knowing their so-called progress.
1 less card to manage. really not worth the hassle and of course the incoming SST (if any).
another Affin rep called again to approve my card by today. so, i took this opportunity to ask few questions:and guess what: that 11 July "approval" was just date of processing in the sytem, not even approved! i submitted to branch just before Raya so, it took 1 month for the forms to "walk itself" over to affin cc dept then "walk into" the system. yep, that sounds about the right progress indeed.
asked to cancel the application instead, and guess what again, i cannot do that over call. i need to WRITE to them. good.
wrote one long nasty email to affin, cc-ed to BNM. few minutes later, one rep called and said to process my application (what?! again?). told her i'm expecting approval status, NOT processing progress which was not moving for the past 1mth+.
anyway, i told her to cancel the application ASAP without anymore delay, excuses, etc. told her i will keep monitoring this, just in case they conveniently "forgot" to terminate the card, knowing their so-called progress.
1 less card to manage. really not worth the hassle and of course the incoming SST (if any).
1) cashback is based on statement cycle. for this card, currently it's fixed at 16th of the month.
2) cashback determine from transaction description "bhpetrol". not by MCC. hence, transaction at petrol island pump and service station are also eligible.
3) cashback not limited to terminal used by the outlet. she said this was not stated in the T&C, but i told her it is stated as "affinbank terminal" in the T&C. she reassured cashback doesnt detect terminal type when calculating the cashback.
she said all terminals used by bhp in selangor/kl uses affin terminal. but i told her petrol owner may use different terminals anyway, we cannot control that.4) about impending rm25 SST/card, she said during pre-GST time, Affin was quite lenient in waiving the GST (govt svc tax) without much issue. she was quite sure affin would still waive the sst easily later as well.
5) reasons for the delay because they received sudden surge of application in short period of time. Affin never encountered such surge before
i told her this is because of the 10% petrol cashback which is attractive.
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