Hi there, newbie here may i know if i made a SA pledge for like 2k, then how is the statement balance calculate ?

if i spent 2k then i pay back to clear my credit limit in order to spend another 1080, will my statement balance with 3080? or just 1080 as i pay off my 2k? which i wont get the rm80 cb

If I am not mistaken, minimum pledge is RM 5k for affin duo cc

u need to 'hutang' first until statement accumulates to >3080

if you pay after spend, simple math would be:

spend -2000.00
payment +2000.00
statement amount 0.00

\SA pledge start from minumum 500, 5k is fd

if that the case, means i have to open up to 3100 for SA pledge in order to maximize cb
so i spent the amount of 3080, after statement out then only i pay off izit ?
the interest free period is calculate 20days after statement right?

if you planned to always repay after statement or by payment due date (eg +20days interest free period)....yes, RM3100 CL should suffice. next spending could only happen after you repay back since you need CL to free up.


imo, better allocate CL of 2 times, around RM6.1k or RM7k instead.

this allow you to maximize 20days interest free period (repayment) and new spending immediately on/after statement date......whereby you could potentially hutang RM3000+3080 before repayment of RM3000 to happen 20days later.

CIP definitely does appear in statement so it can count towards your statement amount. But it is not worth it for you because you don't get cashback on it. So even if you CIP 15k (2500 per month in statement) and spend RM580 per month (to get to RM3080 statement), your CAP for cashback is RM80, but actual cashback you get is RM17.4 (3% of RM580).

If you confirm can spend RM2666.67 per month (seeing your credit limit I think this is hard), then you may take a CIP of RM2500 for efficiency. This will add RM416.67 to your monthly bill. Then you spend RM2666.67 per month your bill is RM3083.34 and you can get RM80 cashback exact.

Of course what you should do with the money is put it in somewhere which earns interest short term. High interest rate savings account or something like that.

hey bro do you know is it any online purchase above the min amount is applicable for the 12 month installment zero interest?

Yes, any spend above the min amount. I used ewallet reload, easiest no need to think.

let say after statement, i repay back and it will clear off cl immediately right ? so i can began next spending for following cycle and keep repeat. so i no need to put another double amount of pledge.

yes

Thanks for the update

This is swipe using the duo visa card and request the bank for instalment right?

Yes. Most convenient way is to ask them through chat when logged in on website.

Sad. Affin bank no service for notification when doing paywave payments like Maybank.

Hi all,

I saw my statement for May and was getting only RM10.59 for the cashback despite having previous balance of RM3,154. Any idea what is wrong? I used Boost, Grabpay, Lazada wallet and TNG Ewallet to top up for this month.

Thanks for the help.

need to see the statement

Min 2k. Missed this point when i bought TV this month
Dont think i will have another big purchase this year .

But the good thing is, my current BT will run till end of year.
Hopefully there will be another round of BT promo before then.

because your current month spending eligible for cash back only amount to ~ RM 353
your cash back limit is determined by the previous month balance
but your actual cash back amount is either the lower of the limit or eligible spending

I see, there were two transactions that I made on 12th, but first posting date is 13th and second on 14th. The second transaction on 14th is RM2,750, that would make the total amount eligible to be RM3,103. Weird that the second one posted one day later, cause the first and second transaction was made back-to-back.

Thanks for the clarification!

oof.. just to share:
Feb2021: Received Affin Duo - activated only Visa CB card

Feb2022: Affin Mastercard charged SST but i only noticed yesterday coz never bothered reading Mastercard portion

I called CS and was told "Mastercard was activated" to which i challenged. I'm ok with paying SST but since i didnt activate, if system-forced activated, then at least let customer know ma thus can pay.

Now my CCRIS dented + financial charges and whatnots - i've asked CS to investigate how come activated AND reverse charges / remove CCRISS dent where possible

This post has been edited by wongmunkeong: May 17 2022, 10:57 AM