1) of course! rm3000 balance is for WHOLE statement balance, not just transactions. that means, advance payments, cashback, reversals/refunds, BTs, etc would affect the statement balance.

2) maximize the card feature lor. what was the real reason(s) you applied Duo?

still possible to earn rm80 for new user

someone reported it here before

your PREVIOUS STATEMENT BALANCE === determine your FUTURE cashback capping/tier (RM50 or RM80)


so, if your previous statement <RM3k, no matter how much you spend, you only get max RM50 cb.

if your previous statement RM3k+, you "unlocked" your cb capping to RM80

because of the revision, you only choose 3% cb rate or cb capping (rm50/rm80), but not both

1) if target 3% cb rate, eligible spending would be rm1667. always get rm50 cb. no need to worry hitting min rm3080.

2) if target rm80 cb, then gotta hit min rm3080 spending each month. of course rm1667 on eligible txn + other spending to make up min rm3080 spending. by doing this, effective rate sure lower than 3%.

what to do ...

1) some dont read forum, only come here asking questions when noticed didnt get expected cb
2) some dont use search, maybe dont know or lazy. posting question expecting direct answer.
3) some dont check their statement. didnt notice their cb already reduced if they maintained previous spending behavior
4) silent users now resurface after cb impacted --- related to 1+2+3 above

not if tomorrow 16/11 is your statement date

OTP SMS is sent by your bank (card issuer)

if the site (merchant) did not setup (obviously on purpose to do fraud) to initiate OTP challenge to cardholder, your bank doesnt do anything really (if that merchant not blacklisted or flagged)

this is why many frauds came from overseas.


Malaysian merchants/acquiring banks must challenge OTP so that liaibility is shifted to you/cardholder/issuing bank.

Malaysia issuing banks very very careful to allow merchants to skip OTP as the risk is very high and merchant/acquiring banks would bear all the risks (i.e. they cannot shift the liability aka blame the cardholder)

your card number is just a 16 digit number

they just tikam all possible numbers --> see which one hits (charged) --> which one didnt file dispute --> profit

yes

if the txn not posted into your card account, that fraud txn will be flagged by the issuing bank (affin). dispute time is shorter since the money not yet transferred to the fraud merchant/acquiring bank. affin/issuing bank stopped the fraud txn on its track.

if the txn already posted into your card account, you still file report to issuing bank but the dispute process will go through chargeback process. reason because the fraud merchant already gotten the money after debited from your card. affin need to claim back > scheme (visa/mastercard) > merchant/acquiring bank.

usually we can win the chargeback challenge because fraud merchant/acquiring bank CANNOT PROVE legitimacy of the transaction! so, they lose the challenge, and scheme will clawback the money from fraud merchant > credit back to affin > your card account.

hence, the timing is important.

This post has been edited by cybpsych: Nov 16 2021, 08:37 AM

This post has been edited by cybpsych: Nov 29 2021, 01:02 PM

yalor, they need a general banking app

they launched aladdin app few days ago, purely as a standalone aladdin-account app

sooner or later, they'll face problem to reconsolidate their apps into single banking app

you should've shared e-statement screenshot rather than affinonline listing.

22 Nov estatement already available for download from affinonline portal.

congrats!

https://www.affinonline.com/apply_and_win

---

Added on

Affin Cards Acquisition & Usage Campaign
22 November 2021

Campaign Period: 1 April 2021 – 31 July 2021

Congratulations to all winners!

Monthly Cashback Winners




Monthly Prizes Winners



This post has been edited by cybpsych: Mar 16 2022, 04:40 PM

fyi, the cc pages are tweaked now

Mark your calendars for the 7th of December. Something exhilarating is coming soon. Stay tuned to this page to find out more

This post has been edited by cybpsych: Nov 30 2021, 10:40 AM

another multi-category card, hopefully decent coverage and cb %

urghhhh thinking of the dreaded "previous statement balance" T&C

i must say, all the newer Affin cards looks great.

even VS card now without embossing and card details printed behind with "Quick Read" design

seems not real-time

i waved VS on 30/11, didnt see the CL updated.

only today 1/12 can see the CL updated.