Oh this is new. Looks useful, previously the only option for >12 month users was EIPlan. Best 'deal' is to get 5000 ringgit 12 month, which will charge RM 416.66 per month to each statement.

And then you spend RM2666.66 (3% of this is RM80, the cap).

So your statement amount is RM3083.32. Minus RM80 your statement will be RM3003.32, so qualify for next month cashback.

There are multiple 'sources' for fraud transaction. One of which is data leak. Another is random (or sequential) try-and-see fraud.

Just because 'kept in drawer and never use' can kena doesn't mean every fraud case is unrelated to data leakage.

I think so. But better check on the Affin thread.

I always clear on the due date itself, so far no problem. But is risky, if amount fail to go through for whatever reason you get charged.

Off-topic... why do you leave money in Affin CASA? Interest rate ciput right?

Sigh my wife's card also got, from INTELLECTTRAIN.COM 441217900608 CY

My own card don't have though. Applied and approved same time.

Or just do 0% BT etc to push the 3k amount. Won't get RM80, but still more than RM50. Not easy to get insurance cashback anywhere.

Which number you call? I cannot get through to them at all, and even live chat says "there is no agent available"

My wife similar situation, call to report fraud and took 20+ days (had to call again and demand it to be sent) to get it.

But I reported fraud and got my card within 5 days (about a month after her) so either they got less now or I was really lucky.

Honestly, while can get rewards/cash rebate for groceries online, buying in person (if got the time) is just so much better for getting good quality items....

Fraud case liability is on bank not you (except for first 400 ringgit). Unless you give away your pin or something like that (even then I think it just make the process more complex).

Really? But transaction will still show as a wave transaction because card never got cucuk.

I seem to remember that Affin balance transfer can apply from website, but can't find where. Anyone remember how? Or was it via chat?

Balance transfer plan at 0% 12 months finish quota yesterday according to CS.

Apply or approve? I applied their website, but when agent call they said no more that promo.

Refund come in after the cashback deducted will not affect previously given cashback. But it will affect your current statement calculation.

E.g. you refund RM500, this month you need to spend RM 1500 to get RM30 cashback (rather than RM1000). Alternatively you can see it as not getting cashback for your first RM500 spend.

Some banks even better, will 'deduct' cashback from you (charge you) if you don't spend that RM500. Maybank did this before. So if your current statement has RM300 spend and RM500 refund (amount spent in previous statement) then they will 'charge' you RM6 in 'cashback'. Not sure whether Affin does this.

It isn't really deduct back, but yes should spend that refund amount.

If refund is on same statement then there's a few possibilities:-

1. Already overspend more than refund amount - obviously no issue
2. Spent almost exactly correct amount - this one should reduce the cashback earned (e.g. you spent RM1666.67 for RM50 cashback, refund RM200 you should get less than RM50)
3. Partial refund - if the refunded amount is not the full amount of the transaction, it may not be 'linked' hence not affect cashback at all.

Regardless, this will still affect your statement balance, so may affect your next month's cashback (if you're the group that always statement balance of RM3050 so that next month can get full RM50).

In that case cashback should really be 20 rather than 30. Possibly the merchant refund method doesn't link or has different MCC. Lucky for you.

This being Affin thread, the question is poorly worded. Affin don't care about monthly spending, they care about statement balance. Balance transfer monthly installment will be added to every statement balance. So if you have a large balance transfer (e.g. 2000 a month) you can get RM50 cashback with just RM1666.67 spend within category (practically, just reload some ewallets or buy something online or pay insurance). So 'true' 3%, unlike the effective 1.64% if you spend RM3050 to get RM50 cashback.

Depending MCC as per usual. Auto deduct not a requirement, I use to manual pay my great eastern life insurance also can get.