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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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cybpsych
post Aug 28 2020, 06:55 PM

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QUOTE(Human Nature @ Aug 28 2020, 06:50 PM)
I doubt they will allow one card to be cancelled but it will be the best scenario. If only the mastercard gives 3% cashback instead of reward points. The 3 categories are a sure hit. From the picture, both cards looks pretty with the silver wordings.
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the only exception for dual cards giving cashback is PB Quantum

even RHB Dual Cards also giving cashback+reward points sweat.gif
cybpsych
post Aug 28 2020, 06:58 PM

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QUOTE(fruitie @ Aug 28 2020, 06:54 PM)
Yeah, update us on this. biggrin.gif I wanna cancel that Rewards card too. laugh.gif
That VS looks good too since PBB QV's monthly quota does limit me sometimes. I can use it to replace my gonna obsolete MACH for dining.
I believe an officer will call me back for verification... Then, I will ask to add this VS as well.
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problem with Affin VS is wave-then-pin for amount >rm250 is not eligible for cashback, so must be mindful to only swipe lesser than that.

combo between Affin VS 3% contactless capped rm80 + Affin Duo Cashback 3% ewallet/ecommerce/autobill capped rm80 is not bad thumbup.gif
cybpsych
post Aug 28 2020, 07:11 PM

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QUOTE(fruitie @ Aug 28 2020, 07:01 PM)
Thanks for the tips. I will take note for below RM 250 only.

Yeah, can easily earn RM 160 per month. biggrin.gif

I don't have good feeling for this Affin's application, how was your previous experience with them? I should ask around if anybody has direct contact with their staffs. Oh well, too late now. laugh.gif
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1st time with them for BHP card, bad and slow application. that was back in 2018.

since then, i believe they've improved the card application process. During MCO, their staff contacted if wanna apply card/FD/services. So, i took the opportunity to apply the VS card as backup to Quantum Visa.

now, i'm asking the staff again to add Duo cards.
cybpsych
post Aug 28 2020, 07:22 PM

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QUOTE(chongteck @ Aug 28 2020, 07:20 PM)
Hi. If we apply credit cards,
is there any grace period we must hold on before we can ask to cancel the card if we don’t like it?
And by cancelling, will that affect us anyway e.g blacklisted by bank etc etc?
Thx
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no obligation to hold the new card
cybpsych
post Aug 29 2020, 07:22 PM

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QUOTE(fruitie @ Aug 29 2020, 07:19 PM)
No good feeling with this bank's service. laugh.gif There's a branch, 10 minutes drive from my house in Seremban, I will go there soon or visit Bangsar branch next week when I'm in KL. I think it's the best this way to apply in branch.
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previous experience was bad for branch application cuz they handled it manually. mega_shok.gif

checked HQ for application status, not found. HQ escalated to the branch i applied from. then the branch staff called me saying they just submitted the form to HQ (which I guess they posted/delivered my form manually to HQ instead of process into system directly)
cybpsych
post Aug 30 2020, 08:17 PM

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QUOTE(adamhzm90 @ Aug 30 2020, 07:43 PM)
No one opened topic for affin bank cc yet?

Just applied the duo via online. Finger crossed all is well
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opening a topic is easy. being a TS is another matter.

we need new member to manage a new topic; and since you're applying, how about you apply for TS role?
cybpsych
post Aug 31 2020, 09:13 AM

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QUOTE(alandhw @ Aug 30 2020, 10:59 PM)
What is the TS scope?
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can roughly refer the principles here and here; and general house rules here
cybpsych
post Aug 31 2020, 01:26 PM

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QUOTE(adele123 @ Aug 31 2020, 01:24 PM)
Any promo for new to bank customer? I am slightly greedy, want something to offset cost of owning the cards, the rm25x2 tax.
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not sure still got quota left >> https://www.affinonline.com/AFFINONLINE/med...ampaign-ENG.pdf

user posted image

another one >> https://www.affinonline.com/AFFINONLINE/med...ampaign_ENG.pdf

user posted image

This post has been edited by cybpsych: Aug 31 2020, 01:27 PM
cybpsych
post Aug 31 2020, 07:00 PM

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QUOTE(spikey2506 @ Aug 31 2020, 06:51 PM)
Affin Duo MC's 3X points for dining groceries and petrol, anybody knows how much is that equals to in cashback?
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subject to your redemption >> https://rewards.affinbank.com.my/affinrewards/home
cybpsych
post Sep 1 2020, 11:47 AM

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just got info from Affin staff: cannot cancel either Affin Duo card.
cybpsych
post Sep 2 2020, 03:47 PM

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QUOTE(persona93 @ Sep 2 2020, 03:24 PM)
Maybank 2 cards holder here, can i transfer installment from Visa to Amex ?
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hmm.gif why not ask in the dedicated Maybank 2 Cards topic?

from previous reports, some said cannot transfer.


to be sure, call Maybank to find out.
cybpsych
post Sep 2 2020, 04:55 PM

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QUOTE(persona93 @ Sep 2 2020, 04:30 PM)
scared because there all discuss about the cards specifically, mine a bit more general so posted here ><

i FB them earlier, they said cannot

totally forgot about my Amex when swipe aiyooo, wasted chance

will call and check  thumbup.gif
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if there is dedicated topic, no matter how general the question is, as long as it's within the card's discussion domain, then feel free to ask there

this general Q&A, mostly for very general question which has no specific card in mind. thumbup.gif
cybpsych
post Sep 11 2020, 04:14 PM

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Save More With Bank Rakyat Credit Card-i [ T&Cs | FAQs ]
1 September 2020 until 31 January 2021

user posted image
cybpsych
post Sep 21 2020, 05:49 PM

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QUOTE(~Eveready~ @ Sep 21 2020, 04:55 PM)
Hi guys,

I would to email to RHB bank to remove my credit limit from their database as I found that they still have 2 cards link to my name from CCRIS.
Those were already terminated more than 4 years ago...

I would like to copy BNM in the email as well but I could not find a BNM specific email other than the web base Telelink...can you guys help?

Just found this email [bnmtelelink@bnm.gov.my], is this the one?
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yes

but if you have eCCRIS, you can report it from the eCCRIS portal too.
cybpsych
post Sep 24 2020, 05:25 PM

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QUOTE(PoisonSoul @ Sep 24 2020, 05:19 PM)
Frank by OCBC

It's not another BigPay right? It's just an FD like account but with a mastercard?
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savings account* with debit card

*with bost interest
cybpsych
post Oct 6 2020, 04:06 PM

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QUOTE(PoisonSoul @ Oct 6 2020, 03:58 PM)
Oops sorry. I didn't know there's a thread for Debit card.
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you already posted in razer wallet topic, right?

then no need to repost here. and it's not a debit card!
cybpsych
post Oct 28 2020, 03:20 PM

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QUOTE(soninspired @ Oct 28 2020, 03:13 PM)
Hi yall. Newbie here wanna ask. If I applied CC via online and it is already approved, how do I get the card? The bank will mail to address or I take from nearest branch?
Thanks.
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you put the answer during the application (online form)?

usually bank will follow your preference. sometimes, they will need you to visit the branch to collect. branch staff will contact you once it reaches their branch.

to be sure, call the bank and ask for the delivery location.
cybpsych
post Nov 13 2020, 04:58 PM

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QUOTE(jerrylo @ Nov 13 2020, 04:41 PM)
newbie Question

i want to buy some product, but seller just can receive online trf / cash only.
can i use cc to online trf?
or need process cash advance / quick cash and pay by cash?
is possible if go to ATM/CDM CC bank and trf to 3rd party account ? will charge % izzit?

edit for adding question
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that is cash advane from credit card

high % fee, unless you feel worth it even with the extra fee included

read through carefully the card's t&c and fees for cash advance.
cybpsych
post Nov 16 2020, 05:04 PM

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QUOTE(moonmoon1985 @ Nov 16 2020, 05:02 PM)
Hi, what are the best cash back cards with least restrictions in the market right now?
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too generic question.... what/where do you intend to spend?

you should post here https://forum.lowyat.net/topic/4161836

fill in the template in post #2 so that we know what you want
cybpsych
post Nov 19 2020, 10:53 AM

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QUOTE(megakeygen_zero @ Nov 19 2020, 10:44 AM)
Will applying for multiple cc at the same time jeopardise my chance of approval?
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some may see it as "desperation" and wont grant you the facility

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