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Credit Cards Affin Duo Credit Card, great rewards for eWallet

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jiaen0509
post Nov 10 2020, 04:31 PM

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My status is pending in e-ccris now.
jiaen0509
post Nov 10 2020, 04:36 PM

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QUOTE(GrumpyNooby @ Nov 10 2020, 04:32 PM)
What is the date of entry?
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Today. hmm.gif
Everything is about to do or not to do. Those say that 3 working days/7 working days just an excuse to be lazy.

This post has been edited by jiaen0509: Nov 10 2020, 04:40 PM
jiaen0509
post Nov 11 2020, 09:25 AM

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QUOTE(JJPANG7899 @ Nov 11 2020, 09:15 AM)
Hi, i have been rejected from applying CIMB ecard and Maybank 2gold last weeks, wondering if i can get approval if i apply AffinBank Duo
the salary that i submited in cimb mbb is average 3.3k per months. (basic only 2500)
Been working more than a year but no any history in credit score never apply loan and credit before.
Will i need to apply affin ? 2 rejection in last weeks will affect my application?
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Should be no. Once the application rejected. It will disappear from CCRIS. Unless, bank got another credit application system can check all your credit application history.
jiaen0509
post Nov 11 2020, 09:33 AM

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QUOTE(poweredbydiscuz @ Nov 11 2020, 09:27 AM)
Now i'm not sure which one is true.
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When you submitted the application for credit card. It will show 'Pending'. When approved, it will show approved. While, if your credit card rejected. It will (almost) disappeared from your ccris.
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jiaen0509
post Nov 13 2020, 10:58 AM

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QUOTE(leootan @ Nov 13 2020, 09:31 AM)
user posted image

Longest CC application waiting time that I have ever encountered🤣

Probably due to the covid-19 case at HQ.
12th Oct - submitted my application at branch with all the documents
5th Nov - appeared in ECCRIS as pending
13th Nov (today) - application approved
Applied TRIO (Duo and VS) on 12th Oct, so I do not know which card they approved for me. But look at the CL, i supposed approved all three. Waiting for collection then.
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dry.gif Appreciate please. I submitted 12 Oct, 10 Nov after complaint only appear on CCRIS. Not still pending haha icon_idea.gif
jiaen0509
post Nov 14 2020, 02:19 PM

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QUOTE(PoisonSoul @ Nov 14 2020, 12:33 PM)
I think something is brewing. MaybankPay shut down in July. Now AffinPay. I wonder what other banks n services they have out there will close their “Pay” service and who knows, suddenly ApplePay appears.
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Most bank close their NFC “pay” is because the low adoption I think. Few reason why Apple Pay until now still not yet available in Malaysia maybe like Apple not interested in Malaysian Market. Or the BNM not approve or maybe the bank don’t want cooperate with Apple due to high commission or some other reason.

You can see Maybank and CIMB Singapore, yet to support Apple Pay too. Why? I have no idea. Maybe high commission Apple take?

QUOTE(wjleong15 @ Nov 14 2020, 12:57 PM)
hopefully
but in bnm regulator still did not see apple pay yet
may be come out something like grabcard type of cobrand card for apple card also great
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Apple won’t cobrand for sure haha. They have very strong and good reputation. Unless cobrand with another big big company

This post has been edited by jiaen0509: Nov 14 2020, 02:19 PM
jiaen0509
post Nov 23 2020, 04:25 PM

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Finally my turn to get approved.

Submitted form n doc 12 Oct.
No news until 10/11 sent email to complaints.
Immediately application capture in eccris

Until today 23/11 almost 2 weeks. No updates too.

Send again an email. Now Approved by FI.

With the amazing credit limit 5k hahahahahahha

Hahahahahahahahahaha LOL!!!! Lowest among all cc I holding. Hahaha

I think I am the lowest in Malaysia maybe?
jiaen0509
post Nov 23 2020, 06:09 PM

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QUOTE(leootan @ Nov 23 2020, 06:06 PM)
5k is kinda low. But it is a normal CL for entry level cc. My 2 younger brothers, and sister in law, all of them getting exactly 5k CL. MBB and PBB.

But there are several reasons also la, one of it would be is it your other bank CCs got relatively high CL.
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My DUO application was rejected Sept. Then I re-apply. Maybe is due to the risk. So they give low CL
jiaen0509
post Nov 23 2020, 06:24 PM

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QUOTE(leootan @ Nov 23 2020, 06:22 PM)
Could be. But of course bank wont disclose why the CL is such amount. Anyway, if you got other CC, then this wont be an issue, as the benefit of this CC is till RM 2667 for e-commerce, ewallet, auto billing spending only. Beyond this amount, you just use other CC.
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console.gif Since such low. Cannot use for a big purchase then.
Still have other CC haha
jiaen0509
post Nov 23 2020, 09:36 PM

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QUOTE(Seth Ho @ Nov 23 2020, 08:12 PM)
Who did you called? i waited for 1 month still no news yet. i sign document and do thumb print everything
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Just write email or fill the form at Affin website. Both I did and after 1/2hr receive call from HQ People.
jiaen0509
post Nov 24 2020, 07:46 AM

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QUOTE(prime27 @ Nov 23 2020, 10:47 PM)
High Five LOL! My credit limit shown in CCRIS is also 5k, even lower than my monthly income  sweat.gif
I guess it is my first CC is the reason why such low.
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Or maybe economy getting worst. Previously approved CL too high. Boss angry hahaha

I tot is because my others cc CL is high. Then give me 5k only.
First cc also 5k.... ermmmm

QUOTE(ChiaW3n @ Nov 23 2020, 10:53 PM)
More than enough for you to get the free 80 bucks every month loh. But abit waste because can’t get the 0% CIP or BT
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Yes. Enough to get 80. But installment feature can forget it.
jiaen0509
post Nov 24 2020, 11:17 AM

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icon_idea.gif Call Affin and got inform my card was send to my residential address although I have chosen branch collection dry.gif

Then during verification, ask my credit limit. Although I know through eccris, but I don't want tell them smile.gif I told them my first card only approved yesterday, nobody tells me my CL.
dry.gif Then verify my email address. Wrong, because 9 become g.... doh.gif doh.gif doh.gif

Btw, was told to be delivered by PosLaju. I ask for tracking number, cannot provide haha

Maybe normal mail she said PosLaju?
jiaen0509
post Nov 24 2020, 12:30 PM

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QUOTE(cybpsych @ Nov 24 2020, 11:23 AM)
poslaju branding > normal pos delivery biggrin.gif

this is normal. hope the normal pos delivery is faster now.
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I think is Pos Malaysia normal mail instead of PosLaju.

She don’t know the difference. Meaning PosLaju branding is successful.
jiaen0509
post Nov 24 2020, 08:06 PM

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QUOTE(prime27 @ Nov 24 2020, 07:50 PM)
That's okay for me, my main intention to apply are cashback and build credit profile only.
Even better if can CIP, but seems not possible now.

By the way, is it the same CL they told you during verification as in CCRIS report?
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During verification call, didn’t tell me about credit limit.
jiaen0509
post Nov 28 2020, 11:34 PM

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QUOTE(LemonJane @ Nov 28 2020, 01:31 PM)
Yes my Affin Duo is finally approved!
My case goes like this -
I was rejected in September but was told to try re-apply but reduce the card owing first.  So I deferred some bill payments, used my husband's cards for the month's spending and pre-paid major cards by end of October. 
I re-submitted on 10th of November.
For about 2 weeks I had the same IVR message of "Sorry your information does not match our record".
2 days ago I decided to fill up an online form to complain.  Got a call early yesterday morning asking for my particulars, how I applied, when I applied etc.
In September, I had a "pending" note with credit limit RM8,000 and that note disappeared after a short while, after that the rejection SMS came.
So yesterday afternoon, when I saw on CCRIS the "same" pending note with credit limit of RM8,000, I thought it's gone case already.
I checked IVR and the message was " Sorry, we cannot process your request".
Mana tahu, this morning when I checked CCRIS again, the note was "Approved by FI"!
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Similar case to me. What is your approved credit limit? Less than 8k I guess?
jiaen0509
post Nov 29 2020, 10:41 AM

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QUOTE(LemonJane @ Nov 29 2020, 08:56 AM)
This is another surprise - 80k
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Then why rejected on Sept... high outstanding balance?
jiaen0509
post Dec 1 2020, 09:04 PM

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Can I confirm is Affin CB system works like PBB?

Credit on the statement. Example: spend 2667 and statement balance will be 2667-80?
jiaen0509
post Mar 22 2021, 12:45 PM

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QUOTE(ChiaW3n @ Mar 22 2021, 01:45 AM)
Just got my additional card approved! Now I am holding Affin duo + the visa signature = the trio biggrin.gif
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Can share the process you add card?
jiaen0509
post Apr 27 2021, 06:33 PM

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Wrong thread.

-Deleted-

This post has been edited by jiaen0509: Apr 27 2021, 06:34 PM
jiaen0509
post May 7 2021, 03:19 PM

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QUOTE(Darren @ May 7 2021, 03:04 PM)
pbb platinum is 4% (online transaction)
uob yolo is 5% (ewallet)

normally i apply card for both myself + wife....but only myself using....so i got 2quota card to use....
else ambank true oso 3% cap rm30 but not applicable for insurance + utilities la.......need reload ewallet to usage.....

actually much depend on your usage
i using to pay utilities more than my own usage....

unifi - amex 5% weekend/(shopeepay/tng) during promo
tnb - pbb (online transaction)
syabas/indah water - ewallet
astro/digi - amex 5% weekend
contactless spend - 5% quantum visa

petrol - amex 5% weekend/shopeepay/tng promotion....

there are much option but will be troublesome....
as usual, nothing come without effort....lolx

maybe keep one card to use when quota maxed.......haha.....since SST paid d,slowly observe first...
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Where is Affin DUO?

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