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Credit Cards Affin Duo Credit Card, great rewards for eWallet

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fruitie
post Sep 5 2020, 03:00 AM

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QUOTE(jiaen0509 @ Sep 4 2020, 10:21 PM)
biggrin.gif eCCRIS pending disappeared. Check through IVR, your application is not successful. innocent.gif

Can only check the reason with sales person on next Monday console.gif

*Credit Card from 3 FI
*Hire Purchase
*Around 35% credit limit utilization as at 31/7/2020
*
Will disappear one ah if rejected? Mine still "pending", still got hope then..
Joey_Chin12
post Sep 5 2020, 03:38 AM

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Submitted my application at branch on Thursday (3/9). let’s see how fast i can get approve.. only IC and EPF as supporting documents needed from this branch..
jiaen0509
post Sep 5 2020, 06:59 AM

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QUOTE(fruitie @ Sep 5 2020, 03:00 AM)
Will disappear one ah if rejected? Mine still "pending", still got hope then..
*
Yes. Disappear mean rejected. Almost instantly
ClarenceT
post Sep 5 2020, 08:27 AM

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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  hmm.gif
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Total CL x5% (or outstanding balance whichever higher) is another risk factor that some banks may consider when you apply for a new credit facility (other than CC).
Better to request card issuers to reduce CL, I had done so for some CC CL.
jiaen0509
post Sep 5 2020, 09:06 AM

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QUOTE(ClarenceT @ Sep 5 2020, 08:27 AM)
Total CL x5% (or outstanding balance whichever higher) is another risk factor that some banks may consider when you apply for a new credit facility (other than CC).
Better to request card issuers to reduce CL, I had done so for some CC CL.
*
5% of total CL is considered high utilization? I enjoy interest free 20 days for my cc always...
ClarenceT
post Sep 5 2020, 09:21 AM

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QUOTE(jiaen0509 @ Sep 5 2020, 09:06 AM)
5% of total CL is considered high utilization? I enjoy interest free 20 days for my cc always...
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5% of CL is the maximum possible monthly commitment from CC. Not really related to utilization.
With monthly income and other monthly financial commitments. Then bank may figure out how much a person can increase his monthly committment.
Anangie
post Sep 5 2020, 09:24 AM

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Is it must walk in to the branch for application of affin credit card? Could we apply through affin website and submit the document through email?
jiaen0509
post Sep 5 2020, 09:42 AM

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QUOTE(Anangie @ Sep 5 2020, 09:24 AM)
Is it must walk in to the branch for application of affin credit card? Could we apply through affin website and submit the document through email?
*
Apply through eForm. Affin will call you after that.
Cannot submit supporting documents online. Unless you know someone from Affin. Then can just email them.
fruitie
post Sep 5 2020, 10:37 AM

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QUOTE(jiaen0509 @ Sep 5 2020, 06:59 AM)
Yes. Disappear mean rejected. Almost instantly
*
I see. Checked IVR and it says it's still looking into my application..
Anangie
post Sep 5 2020, 12:07 PM

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QUOTE(jiaen0509 @ Sep 5 2020, 09:42 AM)
Apply through eForm. Affin will call you after that.
Cannot submit supporting documents online. Unless you know someone from Affin. Then can just email them.
*
Ok, after they called us, how could we submit document? Or have to meet up with them?
Human Nature
post Sep 5 2020, 12:15 PM

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QUOTE(Anangie @ Sep 5 2020, 12:07 PM)
Ok, after they called us, how could we submit document? Or have to meet up with them?
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They come to you or you go to them
jiaen0509
post Sep 5 2020, 12:44 PM

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QUOTE(fruitie @ Sep 5 2020, 10:37 AM)
I see. Checked IVR and it says it's still looking into my application..
*
Your ccris pending still there?

8.01am
RM0.00 We thank you for your interest in our Affinbank credit card however we wish to inform that your application has not been successful.
fruitie
post Sep 5 2020, 12:45 PM

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QUOTE(jiaen0509 @ Sep 5 2020, 12:44 PM)
Your ccris pending still there?

8.01am
RM0.00 We thank you for your interest in our Affinbank credit card however we wish to inform that your application has not been successful.
*
Yes, still pending.
jiaen0509
post Sep 5 2020, 12:46 PM

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QUOTE(fruitie @ Sep 5 2020, 12:45 PM)
Yes, still pending.
*
Pending still got hope.
!@#$%^
post Sep 5 2020, 12:52 PM

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why so strict
cucikaki
post Sep 5 2020, 01:11 PM

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QUOTE(fruitie @ Sep 5 2020, 03:00 AM)
Will disappear one ah if rejected? Mine still "pending", still got hope then..
*
Yup will disappear. Mine disappear as well
cucikaki
post Sep 5 2020, 01:15 PM

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QUOTE(Human Nature @ Sep 4 2020, 10:23 PM)
Is this self calculate or stated anywhere?
*
From ur eccris report. Can see outstanding as at 31/7. Soon the report for 31/8 will out so can see outstanding at aug.

My statement date is not good as payment date is only 9th of every month. Thinking to change all statement date to 10th so payment by 30th. Hence ccris record will ‘appear’ nicer - applicable to those roll CC money in rhb/ocbc/scb high interest acc only.
turtleundersea
post Sep 5 2020, 01:17 PM

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anyone gotten their hands on this card yet?
ClarenceT
post Sep 5 2020, 01:43 PM

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QUOTE(cucikaki @ Sep 5 2020, 01:15 PM)

My statement date is not good as payment date is only 9th of every month. Thinking to change all statement date to 10th so payment by 30th. Hence ccris record will ‘appear’ nicer - applicable to those roll CC money in rhb/ocbc/scb high interest acc only.
*
Banks won't stop you to pay by 30th, though the payment due date is 9th of the following month!
You don't apply for a new credit facility every month, so if you intend to apply for a new credit facility, you have a few weeks to adjust the "closing" balance.
jiaen0509
post Sep 5 2020, 01:59 PM

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Saw a comment under Affin FB page. Member here?

If not, look like reject rate is higher than approve rate so far.
RM80 is not easy to earn.
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This post has been edited by jiaen0509: Sep 5 2020, 02:00 PM
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