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Credit Cards Affin Duo Credit Card, great rewards for eWallet

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xiaoxiaoshen
post Oct 5 2020, 03:43 PM

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QUOTE(adele123 @ Oct 5 2020, 03:28 PM)
so there are a mixed of feedbacks on changing statement dates for affin cards. I called CS just now for CIP and change statement date.

I called last Friday, the CS didnt let me change statement date. I called again, this CS very nicely help me change. According to her, 14, 16, 22 are the only available dates. so, for those who failed the 1st time, dont give up and try again. i didnt want to scold the CS the first time, but it's a reflection of Affin CS training la.

Mine was 22nd, it just screws up all my other scheduling with other cards. so i had to change it. just dislike end of month statement date. 14 is somewhat tolerable.
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it alway has pros & cons.

if you have big amount 5k-10k to spend at month end, you can use this card (22th) and the repayment is 45days later, instead of your all your card at beginning of the months.

now all the bank have SI, you can set to pay credit card on exact due date. if you have flexi loan, the 10k - 45days sit in your account can bring small fortune since it is daily interest. cool2.gif
notadupe999
post Oct 5 2020, 03:44 PM

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QUOTE(marukopi @ Oct 5 2020, 09:08 AM)
11/9 - apply website
14/9 - biometric
18/9 - application submitted - appear in CCRIS as pending and IVR pending
5/10 - still pending

its normally take a while becoz agent normally submit once they come back to HQ office. but from submission to approval, should not take very long.
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QUOTE(kidmad @ Oct 5 2020, 09:18 AM)
same process with mine.. don't worry about it.. i got my card today only. but i requested them to do within AFFIN bank itself.
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In my case, seems like they have no record in their system of the application, but they assigned two different officers to follow up. I'm guessing the first one that received my application from the bank website didn't actually submit the forms properly.
cybpsych
post Oct 5 2020, 03:51 PM

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QUOTE(thecurious @ Oct 5 2020, 03:33 PM)
The original statement date is the one on the letter with the card right?
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no statement date printed.

are you sure you see the "right" date?
marukopi
post Oct 5 2020, 05:28 PM

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QUOTE(adele123 @ Oct 5 2020, 12:34 PM)
mine was not exactly fast either, some here seems faster. from biometric to approval of card was 12 days for me. maybe wait few more days, if not call the sales agent or CS?
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Might wait few days more. Otherwise might call to withdraw.
thecurious
post Oct 5 2020, 05:49 PM

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QUOTE(cybpsych @ Oct 5 2020, 03:51 PM)
no statement date printed.

are you sure you see the "right" date?
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apparently its not lol
tiramisu83
post Oct 5 2020, 08:20 PM

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QUOTE(chongteck @ Oct 4 2020, 07:19 PM)
Those who have successfully obtained CIP; any other fees shown up ?
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this morning cs called me to confirm, and I received sms approved few hours later.
max 15k only..
fruitie
post Oct 5 2020, 08:36 PM

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QUOTE(tiramisu83 @ Oct 5 2020, 08:20 PM)
this morning cs called me to confirm, and I received sms approved few hours later.
max 15k only..
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It's stated RM 15k or 80% of CL, whichever lower.
LovelyPotato
post Oct 6 2020, 11:11 AM

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QUOTE(paogeh @ Oct 2 2020, 11:04 AM)
i managed to login to affin to check ONLINE

i have activated Cash Back VISA card .

and got charged RM25 SST .
i remeber , it;s going to waive , right ?
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Can we activate only the Visa card and ignore the MasterCard?
fruitie
post Oct 6 2020, 11:59 AM

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QUOTE(LovelyPotato @ Oct 6 2020, 11:11 AM)
Can we activate only the Visa card and ignore the MasterCard?
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Well, you can try but no effect if you are trying to avoid paying SST... SST will be charged on Visa and not MasterCard.
Huawei88
post Oct 6 2020, 03:28 PM

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QUOTE(fruitie @ Oct 6 2020, 11:59 AM)
Well, you can try but no effect if you are trying to avoid paying SST... SST will be charged on Visa and not MasterCard.
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But subsequent years the SST will be charged on both cards right? only for the first year Mastercard's SST is waived.
cybpsych
post Oct 6 2020, 03:30 PM

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QUOTE(Huawei88 @ Oct 6 2020, 03:28 PM)
But subsequent years the SST will be charged on both cards right? only for the first year Mastercard's SST is waived.
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yes
fruitie
post Oct 6 2020, 03:30 PM

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QUOTE(Huawei88 @ Oct 6 2020, 03:28 PM)
But subsequent years the SST will be charged on both cards right? only for the first year Mastercard's SST is waived.
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Yes but God knows what will happen to this card one year later. smile.gif
ClarenceT
post Oct 6 2020, 03:40 PM

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QUOTE(fruitie @ Oct 6 2020, 03:30 PM)
Yes but God knows what will happen to this card one year later. smile.gif
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Also the bank may reduce the monthly cashback for Visa, PB and SC had reduced the monthly rebate over the years.
godhand
post Oct 6 2020, 07:02 PM

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finally got it after like 45 days
hunterlala
post Oct 6 2020, 08:10 PM

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the auto billing cash back got include insurance??
cybpsych
post Oct 6 2020, 08:12 PM

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QUOTE(hunterlala @ Oct 6 2020, 08:10 PM)
the auto billing cash back got include insurance??
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insurance not excluded
godhand
post Oct 7 2020, 08:18 AM

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QUOTE(ClarenceT @ Oct 6 2020, 03:40 PM)
Also the bank may reduce the monthly cashback for Visa, PB and SC had reduced the monthly rebate over the years.
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bro any form of cashback for e wallet is a steal. unless u have better alternative
beebee1314
post Oct 7 2020, 09:42 AM

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QUOTE(fruitie @ Oct 4 2020, 05:31 PM)
Why not? I have more than 25 now. BNM only has requirements for those earning below 36k to have cards from two issuing banks. Otherwise, there's no limit so long banks approve.
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Never cancel them? Now ewallet limits and bigpay limits, no point to keep them right. My high day was 17 only. Cut a few each time bigpay limits them, boost then stopped withdrawals.

Now left 8. Scb 2, affin 3, maybank 1, pbb 2, Ambank 1.

SCB gonna go once I make use of the card retention benefit. And ambank don't really use anymore since affinduo came into play.
fruitie
post Oct 7 2020, 10:52 AM

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QUOTE(beebee1314 @ Oct 7 2020, 09:42 AM)
Never cancel them? Now ewallet limits and bigpay limits, no point to keep them right. My high day was 17 only. Cut a few each time bigpay limits them, boost then stopped withdrawals.

Now left 8. Scb 2, affin 3, maybank 1, pbb 2, Ambank 1.

SCB gonna go once I make use of the card retention benefit. And ambank don't really use anymore since affinduo came into play.
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I cancelled a few recently and I recounted again, I still have 22. smile.gif
Like I said, I don't use all, some are required for travels and etc.

Also, all this while my spending is not about BP and Boost. smile.gif

Affin Duo is good but others are good as backup.
beebee1314
post Oct 7 2020, 11:09 AM

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QUOTE(fruitie @ Oct 7 2020, 10:52 AM)
I cancelled a few recently and I recounted again, I still have 22. smile.gif
Like I said, I don't use all, some are required for travels and etc.

Also, all this while my spending is not about BP and Boost. smile.gif

Affin Duo is good but others are good as backup.
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Haha some heavy travelling u have there. Your monthly spending should be quite high. Haha

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