just saw my application appear in eccris
cl very low...
hopefully approve and can get card by this week in branch

The staff just called back and reconfirm is seperate cashback for each, really tak boleh pakai..

same thought
mine at least enough for me to swipe 2 months 2667
so while enjoying 20 days interest free period still can swipe 2667


my current lowest still sc

Tell the person the postage cost is the same.   

I feel the Affin bank prefer send the card to office or Branch collection.
Maybe want to save the hassle of sign receive problem when nobody at home.

Lucky you, mine still not sure what is the delivery status. Approved on 4th but still not delivered out yet. Said within 10 days. Yes, the CS also said normal post.

Eh, I thought you got a call to inform on delivery? How come approval is still pending

Like that also can?    I wonder whether residential or office address has any bearing on the approval.

Submitted application on last Monday, called to CS but my application still not submitted from My town branch. Don't know whether they really didn't submit or HQ system too slow. They do all manual works. Sigh. Not telly la like this.

Anyone applied at mytown? What documents need for that branch?

my other principal application (NTB, by hand-in to Affin staff), she also asked whether to deliver to home or office address before receiving any approval status.

still ok la, during MCO, my VS was automatically delivered to branch!  kinda counter-intuitive considering the SOP for banks.

Funny leh... cannot send to residential address.
If reject then will be more funny... hahaha

But look like high chance to get approval since they call you.

Or maybe they know you are fruitie from lowyat. Want to hear your sweet voice

That's why... but enough for cashback, now waiting for approval
I mean 1st bill out with 2667 spent, still can use another 2,667 before the due date, then pay 2,667 on due date, wait for 2nd bill, then repeat this cycle, enjoy the 20 days interest free period fully
I got called ask my KL address whereby I put my hometown as residential address, then I have to give my KL address
While collection I choose branch
cause TAC and internet banking still have to go to branch
why not settle all in branch at one go

*while I typing reply here, I received call from affin 03 2028 6200 for verification
hopefully they can approve fast and this Friday can get card

So it’s really address issue that delay your approval

mine approved already when i check at 7pm 
don't know Friday can get in branch or not


btw, when i checked eccris
the cl not same as this afternoon
it increase a bit

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.

Have anyone tried n get cash back on the auto billing?was thinking of using this card for water filter & insurance replacing mbb Barca which is only 1% now.

Wow, changed from the lowest to the highest CL now

can take 15k cash on call 0% for 6 months ntb cc holder
put in savings/fd earn interest