I think bank has the control on it.
I experienced with HSBC, the SST only charge once you activated the card.

Will they send an sms or email or something if they reject the application? so far only saw people receiving sms for approval

Not for approval, at least I didn't receive. I only received for additional cards approval.

Or maybe they saw I swipe 130k Hospital bill early September. But not yet due also...

Those who come to this forum are less likely to belong in the group of unable to pay back. You are talking about people who owns 10 to 20 cards and still not rugi service tax. Those who have debt management issue, funnily may not be approved with more CIP be it 0% or otherwise.

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.

But I don't use all every month la. Maybe just less than 10, still manageable actually.

Like Affin, already 3 cards but from same bank, so same statement date.

My colleague just got the card approved after submitting an application to a bank agent on 30/09/2020.

Similar case to me. What is your approved credit limit? Less than 8k I guess?

Then why rejected on Sept... high outstanding balance?

Yesterday received a call around 7.30pm asking for verification and ask for HR contact to verify employment status. I've been having credit cards for like 10 plus years this is the first time I've been request for HR verification.

Some more now CMCO most of the HR person is working from home. Then she ask for HR email. So mafan, if not because of the credit card benefits I might pull the plug and ask to cancel application

I received the card today as well but haven't activate it yet. The RM25 SST not automatically waived for reward master?

Have you apply for 0% COC and BT?

Poor service from Affin card sales. After filling form on website and then sending application to customer service e-mail, I got a call from the officer after a two weeks. I had to WhatsApp the filled form to the agent again. Then after another week I got a call from another person confirming my details and asking which branch I'd like to collect from. I told them Permas Jaya branch in JB. The person didn't seem to know this branch existed...

After no news for another two weeks, I call customer service to find out the application status and they told me the card had already been approved two days after the person called and has been posted to my office. When I asked them why I had not been informed either by call, email or SMS, they didn't know. When asked why had not been contacted by the courier, the person said it was sent by normal mail not registered mail. (This is credit card, not Christmas card. Where got send by normal mail...) I asked to confirm delivery address and asked how about fingerprint verification. Finally the person found that it had been delivered to Permas Jaya branch as requested. =.=" They asked me to call the branch myself and check if the card had been received by the branch.

I finally go to the branch, collect the card and come home to active their online portal. Doesn't work. I call customer service and they tell me need to go to branch to activate. Asked why didn't inform when collecting, they don't know...

Second time went to the bank and got everything done. The teller says I should not bother installing the Android app as it only useful for getting TACs.

So much hassle for this card. But still worth the trouble, good CB.

Nobody is smarter than you in finding BT/Coc/Installment plan as you.
Nobody can dare to claim the throne from you.
Only foolish people like me needs to make few trips to the branch. 

Well, just received SMS that my application is not successful 

I called to customer service but no way to appeal...

no idea until T&C is out.

my guess is still eligible as long as within 12months after approval