NTB got rebate, subject to availability of the campaign

yea so cannot means wont be signing up for it (unless some agent got "WOW" freebie to offer) ... wait you mean RM25 for 2 card for year 1 only ?

Anyway my style is always to keep the card (cold storage or not) for about 6-7 months before I cancel even after I get my freebie gift cause a couple of agents did mention to me that 6 months is like some judging point for "good" signed cardholders for them not sure how true it is though.

This post has been edited by frozz@holic: Sep 10 2020, 12:11 PM

I miss out the part of this, pay RM25 ONLY for 2 cards... entitled automatically or need to call to request?

Ya, read dao this part giving RM30. but I am expecting sth like after sst charged to card, we call and request for rebate...lol

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

As above, should be automatically entitled.

activation campaign Rm300 spend.. reload to ewallet consider right?

no explicit exclusion to ewallets, but should be fine

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

i just called and ask, my statement date 16 every month
and the card may not ship out or just ship to branch
so likely next week when i get from branch
may no chance to get cb for this cycle
too risky...

unlike other bank after activated only assign statement date

I called my branch guy and he told me the reason for my rejection is my card O/S is too high and suggested I reduce the amount.
Well I know the O/S will be coming down in the next 2 months because the bulk is instalment payment/BT programme over 6 months/12 months ! So I will try to re-apply again.
How I envy those having received approvals.

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

[quote=cybpsych,Sep 10 2020, 01:03 PM]
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.

[/quote]
i see

[quote=cybpsych,Sep 10 2020, 01:04 PM]

[/quote]
can share the new T&C for the Activation Campaign?

[/quote]
i quoted the tnc from the link you shared

O/S stand for?

Outstanding

Outstanding

Outstanding.

And this is why i never take BT / Installment payments from banks. Gonna make u look bad in terms of credit rating if they deem your salary not high enough to cover your expenses.

Aiya, not that bad la. It's only when you try to apply for new cards and get into a bit of jam. It's timing issue.
Balance transfer and easy-payment-plan or flexible payment-plan are good things to have, but need to manage

I applied Affin signature somewhere in May or June, that time I also have very high BT outstanding (PBB and AEON), I max up my BT availability for both banks and I told the officer I have very high BT but he told me no worries because BT can be waived, I was like huh (that time maybe). I believe is true because I got my card approved with quite high CL but I just have no idea how do they know my outstanding is BT or spending. And now adding Duo Cards also not an issue anymore.



This post has been edited by snowswc: Sep 10 2020, 02:00 PM