have u ever looked at your statement and what is shown?

1st time paying?

failed what?

yeah, sometimes it couldnt validate the cardnumber, so it failed

posting on statement date not counted, it'll be next statement

his statement date was 14 June

your statement date 16 June, statement is availablw now in affinonline.

ngamngam hit RM3,000 statement balance (in June) >>>> will become YOUR PREVIOUS BALANCE in July statement, and should entitle RM80 capped cb (tbc)





revision also announced in the eStatement

what is your statement balance for 14/6 ?

nothing to do

your July cashback will be capped to RM50

so, current max recommended spending posted by 13 July is RM1667 @ 3% to earn max RM50 cb

not really

eligible and approval is 2 separate process

your min income, etc may eligible you to apply

but once the application is processed with all necessary checking, then only bank approved/reject your application

try spending as usual, up to RM3080 by 15 July.

see if you get RM50 or RM80

This post has been edited by cybpsych: Jun 21 2021, 11:28 AM

my guess is this:

1) now until July statement, spend rm3050.

2) July statement, get rm50 cb. statement balance would be rm3000.

3) after July statement till Aug statement, spend rm3080.

errrr already known since card was launched lor

why? you've been using the card since 2020, right?

yes dont bother free gift la. quickly sign up and maximize the cashback is better.

assuming you always want max RM80 cb, every month

1) spend RM3,050 or more (RM2,667 on eligible transactions + RM383 others) by July statement.

you'll earn max cb RM50 only though, since your June statement is <RM3,000 already


2) this depends whether you want Aug to get RM80 cb or RM50 cb.

if RM80, follow (1) above.
If RM50, spend just RM1,667 on eligible txns. <-- this is "simpler" to follow as you dont need to monitor your statement balance every month

18 June statement balance rm2000.

that means you "unlocked" capped cb on 18 July = rm50.

8 June txn rm2k (assuming eligible txn) can earn rm60, but you only get rm50 capped cb on 18 July.

now, you want to secure rm80 capped cb on 18 Aug.

so, now you need to spend rm3080 or more by 18 July.


remember, your past/previous statement balance determine future capped cb.

This post has been edited by cybpsych: Jun 25 2021, 09:02 PM

Q&A #4