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Credit Cards Affin Duo Credit Card, great rewards for eWallet
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jiaen0509
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 Sep 4 2020, 04:12 PM
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QUOTE(cucikaki @ Sep 4 2020, 03:23 PM) Affin is one of the bank that can gives reason for rejection. Very good. Even Maybank hen reject they cant check the reason. My reason is high utilisation of credit limit as at Jul. Staff advise to make it as low as possible on 30/9 and reapply. Income side is ok. Most of my CC reached the maximum utilisation on July. And you can reapply again instantly eventho get rejected - unlike Hong Leong, only 6 months after reject can apply. Mind to share around how many percent of your total utilization of credit limit? |
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cucikaki
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Sep 4 2020, 05:19 PM
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QUOTE(jiaen0509 @ Sep 4 2020, 04:12 PM) Mind to share around how many percent of your total utilization of credit limit? from CC alone, is 84.52%. i also mentioned at my ccris record is all '0'. Then she replied, if people with a lot of '1' '2' etc, then they will probably rejected with inconsistent payment behaviour instead of high commitment. approval is still by Affin HQ. But they can see reason stated from system. This post has been edited by cucikaki: Sep 4 2020, 05:19 PM |
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jiaen0509
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Sep 4 2020, 05:31 PM
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QUOTE(cucikaki @ Sep 4 2020, 05:19 PM) from CC alone, is 84.52%. i also mentioned at my ccris record is all '0'. Then she replied, if people with a lot of '1' '2' etc, then they will probably rejected with inconsistent payment behaviour instead of high commitment. approval is still by Affin HQ. But they can see reason stated from system. Thanks for sharing. Not sure cannot over how many percent. |
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Human Nature
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Sep 4 2020, 05:45 PM
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QUOTE(alandhw @ Sep 3 2020, 08:58 AM) For the new to bank customer, don't forget to fill up "Retail Internet Transaction Services" form. Else, you wont be able to have the online banking access. Apart from submitting the form, do we need to get anything like TAC/PIN from the ATM? |
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Raymond T.
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Sep 4 2020, 05:58 PM
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QUOTE(cucikaki @ Sep 4 2020, 05:19 PM) from CC alone, is 84.52%. i also mentioned at my ccris record is all '0'. Then she replied, if people with a lot of '1' '2' etc, then they will probably rejected with inconsistent payment behaviour instead of high commitment. approval is still by Affin HQ. But they can see reason stated from system. It’s based on one card or multiple card also high utilise |
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jiaen0509
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Sep 4 2020, 06:12 PM
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QUOTE(Raymond T. @ Sep 4 2020, 05:58 PM) It’s based on one card or multiple card also high utilise Total all card outstanding divided by total approved credit limit. |
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Raymond T.
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Sep 4 2020, 07:04 PM
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QUOTE(jiaen0509 @ Sep 4 2020, 06:12 PM) Total all card outstanding divided by total approved credit limit. I see, if like this of course bank would reject due to high risk |
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!@#$%^
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Sep 4 2020, 07:24 PM
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QUOTE(cucikaki @ Sep 4 2020, 05:19 PM) from CC alone, is 84.52%. i also mentioned at my ccris record is all '0'. Then she replied, if people with a lot of '1' '2' etc, then they will probably rejected with inconsistent payment behaviour instead of high commitment. approval is still by Affin HQ. But they can see reason stated from system. wow super high |
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michaelnet
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Sep 4 2020, 07:31 PM
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Getting Started
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QUOTE(Lilying @ Sep 4 2020, 02:57 PM) May i know for insurance payment this card have cash back or not? I did wrote to them to ask about insurance. Auto billing insurance is under auto billing category. So I believe should have cash back. Planning to switch my FCB card insurance over to Affin Duo card. |
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ronnie
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Sep 4 2020, 10:10 PM
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High Utilization + Perfect Payment should mean good customer
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janson_kaniaz
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Sep 4 2020, 10:19 PM
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QUOTE(ronnie @ Sep 4 2020, 10:10 PM) High Utilization + Perfect Payment should mean good customer Maybe not during the economy downturn. The risk factor is higher. |
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jiaen0509
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Sep 4 2020, 10:21 PM
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 eCCRIS pending disappeared. Check through IVR, your application is not successful.  Can only check the reason with sales person on next Monday  *Credit Card from 3 FI *Hire Purchase *Around 35% credit limit utilization as at 31/7/2020 |
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Human Nature
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Sep 4 2020, 10:23 PM
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QUOTE(jiaen0509 @ Sep 4 2020, 10:21 PM) *Around 35% credit limit utilization as at 31/7/2020 Is this self calculate or stated anywhere? |
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jiaen0509
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Sep 4 2020, 10:25 PM
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QUOTE(Human Nature @ Sep 4 2020, 10:23 PM) Is this self calculate or stated anywhere? Add all outstanding cc amount divided by the total approved credit limit. Self calculates only no right or wrong. This post has been edited by jiaen0509: Sep 4 2020, 10:25 PM |
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Human Nature
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Sep 4 2020, 10:33 PM
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QUOTE(jiaen0509 @ Sep 4 2020, 10:25 PM) Add all outstanding cc amount divided by the total approved credit limit. Self calculates only no right or wrong. Outstanding / Lower CL -> Higher utilization rate Outstanding / Higher CL -> Lower utilization rate I need to stop requesting banks to reduce my CL  |
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jiaen0509
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Sep 4 2020, 10:37 PM
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QUOTE(Human Nature @ Sep 4 2020, 10:33 PM) Outstanding / Lower CL -> Higher utilization rate Outstanding / Higher CL -> Lower utilization rate I need to stop requesting banks to reduce my CL CL too high is a risk also   My Maffin saving account balance just RM10.05  could be one of the reason REASON: REJECTED! POOR This post has been edited by jiaen0509: Sep 4 2020, 10:40 PM |
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khai0412
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Sep 4 2020, 10:39 PM
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Getting Started
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QUOTE(jiaen0509 @ Sep 4 2020, 10:37 PM) CL too high is a risk also My Maffin saving account balance just RM10.05 could be one of the reason REASON: REJECTED! POOR but i dont think they can check ur balance in ur saving account....just the CC they can check |
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ronnie
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Sep 4 2020, 10:45 PM
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QUOTE(jiaen0509 @ Sep 4 2020, 10:37 PM) CL too high is a risk also My Maffin saving account balance just RM10.05 could be one of the reason REASON: REJECTED! POOR What's Maffin ? |
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_kilakila_
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Sep 4 2020, 10:57 PM
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QUOTE(khai0412 @ Sep 4 2020, 10:39 PM) but i dont think they can check ur balance in ur saving account....just the CC they can check yeah i think so, you can apply other bank cc without opening saving acc too. So that could not be the reason. |
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wesleycjh
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Sep 5 2020, 12:02 AM
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Getting Started
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QUOTE(michaelnet @ Sep 4 2020, 07:31 PM) I did wrote to them to ask about insurance. Auto billing insurance is under auto billing category. So I believe should have cash back. Planning to switch my FCB card insurance over to Affin Duo card. If pay manually online for insurance should entitle the casback? |
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