Auto topup debit from credit card...

Ok thanks. So it still works. I will go to Affin Bank and try again then.
For over 1 year I been using Affin by feeling to hit the RM3k... Now with PBB worsen (except PBB Islamic), Affin Duo is a good card suddenly.

Obtained my Duo Card.
Activated the Visa , i let the Mastercard sleeping, don't wanna activate it LOL

This month aim is to generate 3k spending (with 1.67k to e-wallet) so next month can get 80 dollar cashback.

for duo card i remember initial apply 3 years annual waiver, any1 already come to the end of 3 years and manage to get annual fees waiver ? haha

So no activation will still be charged with the RM25?

wah each card is RM50 wor...

last time GST all cc charge RM50/card, doesn't care got AF or not

ok i saw news initially 2010 is RM50/card/year then 2015 become 6% of AF

but anyway GST is not good to end users like us, everything 6% from markup in the middle end up more expensive stuff as compare to SST

as you thought in the middle all GST reimburse back to middle man, but in fact the final price increase a lot due to the mark up in between

Assuming SST - 10%, GST - 6% and mark up 30%

Base price (Cost) - RM1000

SST:
Manufacturer - RM1000 / 0.7 x 1.1 = RM1571.43 (SST = RM142.86)
Distributor - RM1571.43 / 0.7 = RM2244.90
Trading company - RM2244.90 / 0.7 = RM3207
Retail shop - RM3207 / 0.7 = RM4581.43

GST:
Manufacturer - RM1000 / 0.7 x 1.06 = RM1514.29 (GST = RM85.71)
Distributor - RM1514.29 / 0.7 x 1.06 = RM2293.07 (GST = RM129.80)
Trading company - RM2293.07 / 0.7 x 1.06 = RM3472.36 (GST = RM196.55)
Retail shop - RM3472.36 / 0.7 x 1.06 = RM5258.15 (GST = RM297.63) (GST = 20.83% from RM1000 / 0.7)

As you can see the final price has increased (RM5258.15 - RM4581.43) / RM4581.43 = 14.77% and we pay RM297.63 - RM142.86 = RM154.77 more as compare to SST

Ok some said 30% markup is too much, so even if only markup with 10%:

Base price (Cost) - RM1000

SST:
Manufacturer - RM1000 / 0.9 x 1.1 = RM1222.22 (SST = RM111.11)
Distributor - RM1222.22 / 0.9 = RM1358.02
Trading company - RM1358.02 / 0.9 = RM1508.91
Retail shop - RM1508.91 / 0.9 = RM1676.57

GST:
Manufacturer - RM1000 / 0.9 x 1.06 = RM1177.78 (GST = RM66.67)
Distributor - RM1177.78 / 0.9 x 1.06 = RM1387.16 (GST = RM70.67)
Trading company - RM1387.16 / 0.9 x 1.06 = RM1633.77 (GST = RM83.23)
Retail shop - RM1633.77 / 0.9 x 1.06 = RM1924.22 (GST = RM98.03) (GST = 8.82% from RM1000 / 0.9)

As you can see the final price has increased (RM1924.22 - RM1676.57) / RM1676.57 = 14.77% and we although we pay RM98.03 - RM111.11 = -RM13.08, we still pay more than 6% from the original rate.

This is because every level they markup and charge 6% and the final price markup again and GST again, although the middle GST all reimburse back to them but the final price is hefty and GST is more than 6%

when was your fraud?
mine end sept early oct, still not clear.
somemore they start to credit me back some money for the late charges, which is nowhere near what they charge me. making it much more messy.
what's more messy is, suddenly try login online portal, tell me i never register OTP, need to go branch, i still have not time.

I'm now basically blind.

yeah..i have something like this this month
but i was advised not to pay the fraud amount and the late payment can ignore.
so i didn't pay those for the the last 2 months.

then this month dec, see the fraud transactions acknowledged to be disputed (finally) and the credit like you said.
but i was charged accumulated rm40 already for a transaction of rm100+ just for few months.
i am okay to wait and kena charge but:
1. it get more confusing with the credit
2. the late payment charge seems to be so damm high, higher than 18% per annum?

i called the call center again but the answer is equally confusing lol.

last time many kene fraud of USD0.99, please remind for those just use exactly 3080 for the 80CB, you will miss the 30CB if got refund on the fraud transaction on the day of your statement.

Hi, may i know how to pay for the affin duo if i dont have savings account. I do have the online banking though.

Account number is the card number?

what card still give cb for GE autodebit?

Previously PB VISA Signature was the best, after TnC revise, all move to Affin Duo, and now Affin Duo revise TnC, move to RHB Shell? So means soon RHB will revise TnC soon

1% cb only?

i think they only mean affin duo cards are now shariah compliant

Its not as attractive as before - RM80/3000 = 2.7%; Now 50/3000 = 1.7%.
i will just spend Rm1k to get 3% cashback.

U mean there r two diff Affin Duo cards, 1 conventional n 1 islamic?

I got my current Affin Duo by pledging 5k in CASA.
If I cancel my existing Duo cards (cos I want to pledge with FD), wonder can I reapply both Affin Duo & Duo-i using one rm5k-FD-i sharing the 5k CL?

oh really? Means they open up now again, cos last time they 'discontinued' the card. I had WISE card doggone years ago, during cancellation the staff told me that this card will be discontinue so you are not able to apply again.