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Credit Cards Affin Duo Credit Card, great rewards for eWallet

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leootan
post Nov 18 2020, 04:40 PM

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QUOTE(adele123 @ Nov 18 2020, 03:03 PM)
yes, i didnt receive sms, email etc.

if dont call the IVR, really wont know until you receive the card in the mail box (normal mail somemore)
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Ya, no any notification. Anyway I made a call to Affin just now, ok she said approved already, and told my credit limit, how many cards they approved, approved on what date. At the end she said need up to 14 days for them to post from HQ to branch. 🤦‍♂️
leootan
post Nov 18 2020, 04:53 PM

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QUOTE(ClarenceT @ Nov 18 2020, 04:47 PM)
Just curious, did you receive this SMS from 66600?

RM0.00 AFFIN: Get RMxx Cash Back when you activate & spend RMxxx by xxDec'20 using yr AFFIN card. Reply AACT<space>NRIC<space>last 4-digit card no. T&C apply
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No woh. Never received any sms nor call from Affin.
leootan
post Nov 18 2020, 05:49 PM

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QUOTE(ClarenceT @ Nov 18 2020, 04:57 PM)
Funny thing is the IVR didn't tell the application was already successful.
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Eh, this one got oh. After key in IC, it either tell me “we are still looking at your application”, or “congratulation, your application is successful.”
leootan
post Nov 18 2020, 07:10 PM

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QUOTE(ClarenceT @ Nov 18 2020, 06:09 PM)
IVR: "Sorry we are unable to proceed with your request"
but received activation sms!
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Ah, this is new! This Affin...🤷‍♂️

Never deal with this bank before, hope my cc experience with them will be a good one.
leootan
post Nov 18 2020, 07:24 PM

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QUOTE(GrumpyNooby @ Nov 18 2020, 07:12 PM)
u
You have been ranting a lot.
If you're dissatisfied with the waiting, why not just walk away.
Likewise I shared that my colleague has waited for 49 days to get his Affin Duo cards approved.
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Dissatisfied with the waiting is one thing, satisfied with the feature is another thing. 3% paywave for almost everything, i am in. And add on Duo as persuade is a good combination. In deed i said i knew there is covid case at HQ which make the process slow.

You dissatisfied with the country, then you walk away moved to Singapore? There is nothing else in the current country that make you feel good?
leootan
post Nov 18 2020, 10:06 PM

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QUOTE(GrumpyNooby @ Nov 18 2020, 07:41 PM)
What if your application got rejected at the end of the days?
Have you prepare yourself emotionally for that?
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I got mine approved for all 3 of them.

And what emotion should i have if they rejected me? If i am qualified for them, then they approve, if not, they just reject.

Bank is theirs, i am user. If they treat me as bad user, of course they dont want me. I.e bad ccris, high DSR, high commitment, etc.
leootan
post Nov 23 2020, 06:06 PM

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QUOTE(jiaen0509 @ Nov 23 2020, 04:25 PM)
Finally my turn to get approved.

Submitted form n doc 12 Oct.
No news until 10/11 sent email to complaints.
Immediately application capture in eccris

Until today 23/11 almost 2 weeks. No updates too.

Send again an email. Now Approved by FI.

With the amazing credit limit 5k hahahahahahha

Hahahahahahahahahaha LOL!!!! Lowest among all cc I holding. Hahaha

I think I am the lowest in Malaysia maybe?
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5k is kinda low. But it is a normal CL for entry level cc. My 2 younger brothers, and sister in law, all of them getting exactly 5k CL. MBB and PBB.

But there are several reasons also la, one of it would be is it your other bank CCs got relatively high CL.

leootan
post Nov 23 2020, 06:22 PM

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QUOTE(jiaen0509 @ Nov 23 2020, 06:09 PM)
My DUO application was rejected Sept. Then I re-apply. Maybe is due to the risk. So they give low CL
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Could be. But of course bank wont disclose why the CL is such amount. Anyway, if you got other CC, then this wont be an issue, as the benefit of this CC is till RM 2667 for e-commerce, ewallet, auto billing spending only. Beyond this amount, you just use other CC.
leootan
post Nov 23 2020, 06:33 PM

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QUOTE(jiaen0509 @ Nov 23 2020, 06:24 PM)
console.gif Since such low. Cannot use for a big purchase then.
Still have other CC haha
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Haha. Still many good CC around. Anyway, back to the time i applied my very 1st CC, 8 years back, i only got 4k limit ah. 🤷‍♂️
leootan
post Nov 26 2020, 10:14 AM

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user posted image

Freshly baked!
VS looks much nicer. With the 3D printed name and card number. And interestingly, VS comes with 4 years expiry, while Duo comes with 6 years.
leootan
post Nov 26 2020, 10:55 AM

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QUOTE(Joey_Chin12 @ Nov 26 2020, 10:30 AM)
Wow~~ one shot apply 3 cards?
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Initial is just VS. Then persuaded to apply with the Duo as well. I am ok with that as i can use the Duo cashback card for my TnG ewallet, and change my prudential monthly deduction to this duo too, to replace my MBB Barcelona.
leootan
post Nov 26 2020, 11:14 AM

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QUOTE(ChiaW3n @ Nov 26 2020, 11:09 AM)
Contactless transaction means online transaction? Max cb per month RM80? Another RM80 aside form the duo?
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Contactless refer to paywave lo. Just tap and go style. And yes, it is another RM 80 apart from Duo. If fully use, then will be RM 160 from Affin, monthly. Of course if the feature still last la.
leootan
post Nov 26 2020, 11:24 AM

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QUOTE(fruitie @ Nov 26 2020, 11:19 AM)
Until today I haven't spent a single cent on my VS, really buta-buta paid RM 25 SST when it was approved. I applied it as backup for PBB QV but didn't expect the pandemic will still be so serious and causes me not able to spend that much time outside.

I used to maximize every month for PBB QV (before March laugh.gif)...
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I almost every month fully utilize my PBB quantum also, so every month RM 60 from PBB. And that is why i go for this Affin VS, but end up comes with Affin Trio. 🤦‍♂️🤣
leootan
post Nov 26 2020, 03:17 PM

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QUOTE(ChiaW3n @ Nov 26 2020, 02:45 PM)
Lol! Now only I got it, but paywave difficult abit in term of using considering we are not going out so frequently compared to before
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My job nature. I need to swipe/wave cards frequently for part purchase. So ya contactless cc good for me also. 😎

Aim for VS at 1st place mah, PBB QV easy easy for me to max cashback every month. Now come with 3, so, extra a bit cashback for me la.

This post has been edited by leootan: Nov 26 2020, 03:21 PM
leootan
post Nov 26 2020, 03:26 PM

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QUOTE(fruitie @ Nov 26 2020, 02:46 PM)
Yes, SST will be charged on the Rewards (red) card regardless if it is activated or not.
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Is there any different if dont activate the reward card? I got from you that SST still will be charged. Apart from SST? Like is it on the next renewal year (lol, that is 6 years from now!), bank wont send the reward card but cashback card only? Since the very 1st we dont activate the red reward card.
leootan
post Nov 26 2020, 03:59 PM

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QUOTE(tan_aniki @ Nov 26 2020, 03:33 PM)
no SST will be charged on reward card for 1st year, only cb card will be charged
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Oh good then. Dont really think want to activate the red reward card. Lets see how next year.
leootan
post Nov 30 2020, 01:34 PM

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QUOTE(chyap99 @ Nov 30 2020, 01:00 PM)
Please take note this only applicable when you repeat the transaction at the same shop and at the same time.

Normal situation, that's no need to reset on every 3 times.
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I would like to know more about this too. Anyway i wont be doing multiple wave at the same merchant and at the same time. I am more to know the limit of it before PIN needed to reset.
leootan
post Nov 30 2020, 01:34 PM

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QUOTE(GrumpyNooby @ Nov 30 2020, 01:02 PM)
I'm confused.
What is the normal situation cumulative count limit?

For PB Quantum Visa, there's a 15 tap counts limit before PIN reset is needed.
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Good to know that PB quantum is 15 times before PIN reset needed.
leootan
post Dec 1 2020, 09:58 AM

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QUOTE(Nerdyfred @ Dec 1 2020, 09:53 AM)
Anyone able to change the statement date?

I called on Oct and the CSD allows me to changed to 14th of every month but just now i called the CSD said is not allowed to change.
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There are forumers here able to change it when the cards just launch not long. Then there is someone sharing that now no longer able to change.

Mine is close to my other CC statement date, just few days apart, am good with that, so i dont call to ask for that.
leootan
post Dec 3 2020, 01:02 PM

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QUOTE(Devil4life @ Dec 3 2020, 10:25 AM)
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
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Perhaps due to the current pandemic situation? Bank need to “confirm” the applicant has a job so that can pay back when statement comes.

I applied mine early of Oct, got approved on Nov, but not a a single call asking for my employment status.

Or maybe is case dependence, my work status is self-employed. But i do submit all the required documents such as SSM cert, income tax form B, and recent current account statement.

This post has been edited by leootan: Dec 3 2020, 01:07 PM

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