dont bother

VS will be replaced with Duo+

faq clause 11 and 12

https://www.affinalways.com/storage/AffinAl...LUS-FAQ-ENG.pdf



all cards numbers are just numbers. it has probability of getting fraud eventually, irrespective to how you use the card.

This post has been edited by cybpsych: Dec 27 2023, 08:58 PM

ANY payment cards are susceptible to fraud, one way or another.

it DOES NOT MATTER how/where you used the card before.

heck, even a brand new card that you just applied will get frauded before it reaches your hand! **ahem**citibank**ahem**

to a hacker/fraudster, it's just a 16 digit number. they can easily generate unlimited list of numbers (doesnt matter valid or not) and just run through each of them; then see which one goes through.

it's all about 'TIKAM' probability

haha confirmed not getting 2nd card's finance charge reversal.

got rejection email also

same features and t&cs

only can apply either 1 set

no such thing

cannot spend 12x per card, per year? so stingy meh

what are you expecting?

try above?

without knowing your previous balance amt, don't know

if prev balance >3k, answer is yes

however your next cb will be capped to 30 already

read the t&c carefully

1st month...
your spending is exactly 3000.
1st month can get 30 cb (nobody reported getting 50).
then 1st statement balance = 3000 - 30 = 2970

2nd month...
spend exactly same 3000.
but your previous balance (1st statement balance) < 3k, will capped your cb to 30 only.
then 2nd statement balance = 3000 - 30 = 2970 again


you can never get 50 cb cuz your previous statement always <3000.

1st month, not sure can get 50 cb or not. <-- you try this, and monitor the cb in your 1st statement.

but your spending uncapped the 2nd month cb to 50.

not stated anywhere lor

1st statement, where got previous balance to determine your current cb capping?

assuming you can get 50 cb, you still need to spend at least 3050 to qualify 50 cb next statement too

This post has been edited by cybpsych: Jan 29 2024, 07:23 PM

should be ok

can try use DocHub to fill the pdf form?

1) usually avoid card management via branch. call CS is better and more direct as they can access their crm system.

2) cancellation submission does not mean actual processing of card cancellation. you should've followup diligently to ensure card is cancelled in timely manner, not "hope".

3) sst and/or fees may be waived if bank felt the fault is with them. again, you haven't even contacted them quickly to dispute this!

call them tomorrow, explain the situation, request nicely to waive the sst/fees due to cancellation was DELAYED by the bank branch on xxxxxxx. CS would file this as a report for investigation and follow-up.

nobody shared, possibly due to

1) nobody tried, or
2) nobody reported

however, if you ever opened Affin Duo FAQ, the answers already specified in there.

no issue to download estatements from affin web portal.

also received email estatements few days ago.

this?

waiver? no

rebate? no

points? yes

how to beat physics le

how can future status (posting) be known when the action (merchant settle) not performed yet for current state (unbilled)?