updated Duo FAQ: https://www.affinonline.com/AFFINONLINE/med...AFFINDUO_EN.pdf

1) AF waiver condition for each card.
2) fixed typo on the example cashback crediting

you will not know the actual formula or all the criterias.

generally CTOS, CCRIS, DSR, etc. We dont know what else are they inputing to assess you.


each bank works differently and each have their own set of criteria to "score/assess" you.

each bank would have different risk appetite and tolerance for each individual.

there is no "1 universal formula" to solve all your cc application.

these assessment/scoring criteria is kept secret/P&C for some reasons: one of it, to prevent ppl for purposely targeting these criteria in order to get approval.

This post has been edited by cybpsych: Sep 9 2020, 11:36 AM

1st, has anyone gotten and used the card?

2nd, even if gotten the card, has the autobilling charged yet?

3rd, even if autobilling charged, has the statement generated yet? cuz this is when you see the cb.

* Applicable to New-To-Bank Cardmembers only. Each cardmember can apply maximum transfer amount capped at RM15,000 or shall not exceed 80% of available credit limit/facility limit, whichever is lower

https://www.affinonline.com/AFFINONLINE/med...actical_ENG.pdf

no use also

last time tried. no response or anyone called me back.

yep, same like VS.

they exposed the contactless antenna inside

and also make sure dont make transaction at last minute; buffer about 2-3 days before statement date. if that txn get posted exactly on statement date (e.g 16th), it will be counted in the following statement cycle.

this scenario identical to VS and BHPetrol card.

read the t&c on the definition of NTB

with one caveat/difference with PBB.

can search back his post....

mytown, next ikea cheras

their concept store is at B1 floor, neary McD/Nando's/KFC .... also nearby the MRT entrance (FamilyMart)

yes, full service

by policies, cannot cancel. also, do keep it longer so that the hardworking affin staffs can get commission la.

since year 1 only get charged RM25 SST for Duo, still acceptable.


by system, not known if it's hard-bundled or soft-bundled (like PBB Quantum)

NTB got rebate, subject to availability of the campaign

rm25 for Duo is for year1 only ... but with 3yrs AF waived

usually 6 months is the full commission payment period

depending on the bank on how they structure the payout, agents doesnt earn FULL commmisison immediately.
Usually banks would staggered payout the commission for few months.

This is done so that agents cannot simply fraud the banks for comission by signing up ppl in bulk and run away after getting the commmision.

so, agents must stay with the bank and EARN the commission by getting quality customers; they will advise you to keep longer (so that they get full payout).


no need expect la, this wont be put in B&W.

you can try request once gotten the card lor.

This post has been edited by cybpsych: Sep 10 2020, 12:24 PM

no explicit exclusion to ewallets, but should be fine

my previous VS gotten RM30 rebate for normal purchases (during MCO).

usually, for NTB, statement date already predetermined based on approval date (some with formula to determine which statement date that's suitable for the approval date).

just that some banks when we call, they cant disclose probably the card has not activated, so they cannot view more detailed info.

depending on their CRM screens and level of authority or card/account status, they may see more or see less, depending some rules.


for me, my existing affin card statement date already @ 22nd. my Duo also follows the current statement date (phew!) since i'm ETB and it didnt assign a separate date for Duo.

can share the new T&C for the Activation Campaign?

This post has been edited by cybpsych: Sep 10 2020, 01:05 PM

yes, i know it's from the t&c.

if all NTB here are not invited/selected, how would they be eligible for the activation campaign?

is there a separate activation campaign T&C?

if i'm not mistaken, the t&c has been recycled few times

i gotten my rebate without being invited or to register.

no other ways

still need to visit branch (better to wait for card approval first; unless you collect from branch or you walk-in to submit application) to validate your thumbprint for creating online portal access.