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Credit Cards Affin Duo Credit Card, great rewards for eWallet

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adele123
post Nov 18 2022, 09:53 PM

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QUOTE(mamamia @ Nov 18 2022, 07:38 PM)
Should be 4 days grace period from payment due date. But, can only argue if due date fall on PH / weekends

This is classified as S, not G, so, all banks must follow:

An issuer shall provide cardholders with a grace period of at least 4 calendar days after the payment due date. This is to cater for payment due dates falling on weekends or public holidays.
Refer article 10.6:
https://www.bnm.gov.my/documents/20124/9380...Credit+Card.pdf
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Nice. Next time i will quote this. Although i rather not forget next time, waste time to call in and ask for waiver also.
adele123
post Nov 23 2022, 09:57 AM

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QUOTE(weiseang72 @ Nov 23 2022, 09:43 AM)
for duo card i remember initial apply 3 years annual waiver, any1 already come to the end of 3 years and manage to get annual fees waiver ? haha
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Check the start date in this thread. Ask this 10 months later.
adele123
post Nov 24 2022, 11:50 AM

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QUOTE(ps007 @ Nov 18 2022, 01:08 PM)
Just called again spoke to different CS, told her this is my first time, and i thought it would have grace period like other banks, begging for like 10mins lol. She finally help to submit the request and subject to approval.
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Btw, have you checked whether you got the charges back? I just call in to get waiver. Luckily dont need to beg 10minutes. I luckily didnt use in that statement.

Of course they say still subject to mgmt approval.
adele123
post Dec 24 2022, 11:20 AM

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happy long weekend everyone.

I have a few pending issues unsolved with Affin (one is my fault, one isn't)

1) has anyone got the refund for the fraud transaction? it has been 4 months since it was recorded. i know they say 6 months but still

2) has anyone successfully gotten finance and late payment charge reversed? i genuinely forgot to pay, and called in to ask for waiver but still havent receive (kena on November statement for october late payment, but december statement havent reverse).

QUOTE(eddydo @ Dec 24 2022, 11:18 AM)
Do I have to go to Affin branch on the weekdays to activate online banking....

Tried the ATM but doesn't have the option to activate
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sadly possibly still yes, after 2 years of affin card got attention, seems like no change in this process.

This post has been edited by adele123: Dec 24 2022, 11:21 AM
adele123
post Mar 18 2023, 06:39 AM

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QUOTE(eddievh @ Mar 17 2023, 12:51 PM)
Affin bank cc,if unauthorized transaction really need 180 days to refund back? Anyone got the refund before 180 days?
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Waited around 3 to 4 months i think
adele123
post Jun 17 2023, 10:21 AM

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QUOTE(babysotong @ Jun 15 2023, 10:15 PM)
Q - are we able to get loyalty cashback or something like that to offset the service tax?
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Most likely no. You can always call to ask.

Btw, anyone here forgot to pay affin card on time for >1 And manage to get the finance charge and late payment charged waived?

I dunno why i keep forgetting to pay my affin cards. This is like 2nd or 3rd time happening to me. Then the SMS always sent 6 days after due date. By then, die liao.

This post has been edited by adele123: Jun 17 2023, 10:21 AM
adele123
post Jun 17 2023, 01:01 PM

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QUOTE(cybpsych @ Jun 17 2023, 11:25 AM)
I got 2nd time. they don't entertain subsequent request biggrin.gif
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Thanks. You giving me hope.

I will eventually cancel the card before september comes. Say bye bye after almost 3 years.


I think what i earn from cashback not enough to cover the finance charge. Plus funding the rm50 service tax.
adele123
post Jun 17 2023, 02:34 PM

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QUOTE(cybpsych @ Jun 17 2023, 01:19 PM)
I mean I got finance charge 2nd time. didn't get it waived.
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aiks. sad... i supposed you tried hard enough and didnt get it?

This post has been edited by adele123: Jun 17 2023, 02:41 PM
adele123
post Jun 22 2023, 01:57 PM

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QUOTE(KenYoung @ Jun 22 2023, 11:40 AM)
Ya OK I guess only way is cancel the stupid scb card with high limit...
Or ask them lower it? Do u know if the bank usually entertain such requests?
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It's generally possible to lower down the credit limit of your card.
adele123
post Jul 9 2023, 07:35 PM

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QUOTE(ericling @ Jul 9 2023, 07:19 PM)
There are others who have received the email in the past. Nothing new. I think the email quite self explanatory...
adele123
post Jul 26 2023, 07:30 PM

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QUOTE(Matchy @ Jul 26 2023, 05:23 PM)
anyone that kena fraud case with their affin card recently?
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Recently no, about a year ago yes. Just call affin to ask for new card. That'a what i got.

The fraud amount will be on hold awhile. Affin takes awhile to refund it. About 2 months if i recall.
adele123
post Aug 11 2023, 07:10 PM

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QUOTE(Wolgie @ Aug 11 2023, 05:24 PM)
any promotion apply new card Affin Duo?
Ringgitplus and Comparehero seem no promo
Can get maxs RM50 cashback for Online, and Ewallet rm30 ? total 80? brows.gif
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Highly unlikely to get promo for applying affin duo.
adele123
post Aug 19 2023, 03:13 PM

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QUOTE(ursa898 @ Aug 19 2023, 03:01 PM)
My bad, if I understand it correctly, we are able to reload rm1k each month into tng and can still transfer to bank account.
Anyone did it without getting banned?
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Wrong thread. This thread is regarding affin duo card.

What your are aaking is between touch n go ewallet and you.

This one is the tng ewallet thread.
https://forum.lowyat.net/topic/5005818

This post has been edited by adele123: Aug 19 2023, 03:14 PM
adele123
post Sep 9 2023, 12:26 PM

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Btw, anyone cancelled affin cards recently?

When i called to cancel the affin CS say i will receive the confirmation sms or something within 14 working days. Technically only 10 working days have passed though it has been 2 weeks.

I cannot login affin online banking due to inactivity for the past few months.

Abit lazy to call again. Just want to check if anybody has experience.
adele123
post Oct 28 2023, 12:04 PM

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QUOTE(weiseang72 @ Oct 28 2023, 11:26 AM)
For Affin Duo , any1 manage to cancel the reward type mastercard and maintain the cashback visa?
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No
adele123
post Nov 10 2023, 03:32 PM

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QUOTE(Barricade @ Nov 10 2023, 12:57 PM)
Balance transfer monthly instalment consider as monthly spending right?
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No. Your tnc would have spelt that out quite clearly


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