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Credit Cards Credit Card v20, Post/Ask general questions here, Please read post 1-3 before posting, tq

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GrumpyNooby
post Aug 5 2020, 06:53 PM

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QUOTE(Kyan0411 @ Aug 5 2020, 06:51 PM)
Correction: Cashback capped ar rm30, min spending rm600 🤗
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Should be contactless transaction of min RM 30 to be eligible for cash back; capped at RM 30 for a total eligible spending of RM 600.
GrumpyNooby
post Aug 12 2020, 05:36 PM

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QUOTE(sv_vicky @ Aug 12 2020, 05:35 PM)
Hi, can I ask if PBB quantum has cb for bill payments like digi?
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Yes, for PB Quantum Mastercard for OCS.
GrumpyNooby
post Aug 12 2020, 06:17 PM

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QUOTE(sv_vicky @ Aug 12 2020, 06:09 PM)
Thank you boss.. So it works for autobilling as well?
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Auto-billing or direct debit is not online.
GrumpyNooby
post Aug 13 2020, 06:03 PM

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QUOTE(rooivalk @ Aug 13 2020, 06:01 PM)
Anyone have an opinion on which is the easiest/fastest way to apply for the credit card?

Any particular website (e.g. ringgitplus, imoney, etc.) preferred?

Thanks.
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Those sites are just agents like you saw at shopping malls.
Approval is ultimately at the respective bank card centre team.
GrumpyNooby
post Aug 13 2020, 09:56 PM

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QUOTE(UncleShid @ Aug 13 2020, 09:55 PM)
i apply via email one, salary not in meibank but they didn't ask for bank statement. i call cs, cs said no use to reapply because need to wait 6 month before can apply new one. i ask why reject also dowan to answer. hahaha
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Buy a CTOS Score report. It may tell you some answer.
My guess could be high debt servicing ratio but I might be wrong.
GrumpyNooby
post Aug 13 2020, 10:30 PM

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QUOTE(UncleShid @ Aug 13 2020, 10:24 PM)
I'll have a look at  that CTOS record.. For DSR, after car loan deduction, still have 3K..
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Some bank form will require to fill two types of info in order preliminary assess your DSR.
First is loan-related commitment and second is fixed recurring non-loan related commitment.

Not sure about Maybank form.

This post has been edited by GrumpyNooby: Aug 13 2020, 10:30 PM
GrumpyNooby
post Aug 28 2020, 02:12 PM

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QUOTE(Human Nature @ Aug 28 2020, 02:11 PM)
I have asked them on FB, see what is the reply
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They not yet reply.
It's FB not email dry.gif
GrumpyNooby
post Aug 28 2020, 02:25 PM

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QUOTE(Human Nature @ Aug 28 2020, 02:16 PM)
Got the reply!

Thank you for your interest in Affin Duo credit card. You may email the supporting documents to cardservices@affinbank.com.my

but then no reference no  laugh.gif
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It would be a mess. biggrin.gif

The e-form is using yourvoice@affinbank.com.my

But supporting documents to send to cardservices@affinbank.com.my


GrumpyNooby
post Aug 28 2020, 02:29 PM

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QUOTE(Human Nature @ Aug 28 2020, 02:27 PM)
And supporting document seems very minimal. Just 1 month pay slip for my case. No need epf. Didn't even ask for IC  photocopy  sweat.gif
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Even last year I submitted an application for VS at the branch was already a mess together with those supporting documents. dry.gif
GrumpyNooby
post Aug 28 2020, 05:27 PM

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QUOTE(cucikaki @ Aug 28 2020, 05:25 PM)
Just drop my docs at branch. They completely blurrr ahahahah. They check system cant find my application. So end up i fill in manual form at the branch.
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Not a surprise at all! dry.gif
GrumpyNooby
post Aug 28 2020, 05:47 PM

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QUOTE(Human Nature @ Aug 28 2020, 05:45 PM)
Wah risk taker. They already have a manual form for the Duo card?
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RM 80 cash back per month is so lucrative. laugh.gif
Effective cash back not so important, amount matters.
GrumpyNooby
post Aug 28 2020, 06:00 PM

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QUOTE(Human Nature @ Aug 28 2020, 05:57 PM)
It’s been quite some time since i got excited with a new CC and applied straight away 😄 hope affin dont screw the application up
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Initially I was interested with their competitive FD rates.
Then I wanted to get their VS credit card for contactless cash back with no min spending required as opposed to PB Quantum Visa.
Somehow, application wasn't processed and called CS to find my status. Their CS unable to find any credit card application in their system. doh.gif
GrumpyNooby
post Aug 28 2020, 06:19 PM

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QUOTE(Human Nature @ Aug 28 2020, 06:16 PM)
My 1st ever credit card was through this way. The staff followed up till successful application. So maybe cucikaki will be the fastest to get.
Pray that they have improved their system. The VS was attractive but heard some issues with the application so didn't apply. That VS one is more like for fun, so okla can skip  biggrin.gif

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I wonder how long can Affin sustain the RM80 max CB per month. The income requirement is very accessible.
p/s Nobody applied to be TS?
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VS is really very good for small purchases below RM 10.
Can easily just tap and go even at McD and FM. True idea of contactless.
That was the reason why I wanted it over PB Quantum.
GrumpyNooby
post Aug 28 2020, 07:08 PM

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QUOTE(jiaen0509 @ Aug 28 2020, 07:05 PM)
AFFIN DUO - "Apply and Win" Campaign until 28 February 2021

user posted image

Campaign Period:
Now until 28 February 2021

Click HERE for the Campaign's Full Terms and Conditions
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They do not have welcome gift for NTB on these newly launched Duo cards? hmm.gif
GrumpyNooby
post Aug 28 2020, 07:43 PM

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QUOTE(Human Nature @ Aug 28 2020, 07:29 PM)
Don't play play, terus kasi one biji proton for campaign. No need all the monthly cashback game  tongue.gif
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Hope you'll be the winner! blush.gif
GrumpyNooby
post Sep 1 2020, 12:05 PM

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QUOTE(Human Nature @ Sep 1 2020, 11:49 AM)
Okay, so it is a genuine text. I was skeptical so decided to go to the branch instead. I am paranoid, don't mind me  biggrin.gif

Hmm, now I am thinking whether I should add VS too.... don't poison people  tongue.gif  tongue.gif
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Collecting cards are fun.
Just that it's may not be FOC since it'll be RM 25 SST per card. biggrin.gif
GrumpyNooby
post Sep 1 2020, 04:30 PM

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QUOTE(Human Nature @ Sep 1 2020, 04:28 PM)
I didn’t. Forget to ask about any rebate for SST too. No parking so I parked right in front of the bank and he came down to meet me for a short while.
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The umbrella is your SST rebate. tongue.gif
GrumpyNooby
post Sep 1 2020, 04:58 PM

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QUOTE(Human Nature @ Sep 1 2020, 04:57 PM)
Yeah, that's why I am happy even though have to go to the branch. Much better than other banks. Placed FD so many times also get nothing  biggrin.gif
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He could be a premiere banking customer at Affin. whistling.gif

This post has been edited by GrumpyNooby: Sep 1 2020, 04:58 PM
GrumpyNooby
post Sep 3 2020, 10:31 AM

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QUOTE(alandhw @ Sep 3 2020, 10:29 AM)
But my understanding is they keen for healthy cashflow rather than earning the late payment interest.
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Charging late payment interest is bank revenue
Healthy cash flow (low risk) borrower is bank risk appetite
GrumpyNooby
post Sep 3 2020, 10:44 AM

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This post has been edited by GrumpyNooby: Sep 3 2020, 10:52 AM

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