Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Affin Duo Credit Card, great rewards for eWallet
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 Sep 7 2020, 06:16 PM
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#1
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Senior Member
1,107 posts Joined: May 2016  
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Got RHB card approved recently, not sure if it's too soon to apply another one now. Actually I applied for Affin last November and got rejected.
I thought the reason could be that I had many cards (some I don't use at all), and I still have that many cards. Anyway I have submitted an application online, hopefully can get this time. |
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Sep 8 2020, 01:19 PM
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#2
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Senior Member
1,107 posts Joined: May 2016
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Submitted online yesterday afternoon and received a call in the evening from the Branch. Asked me what time I applied so that they know how quick HQ transmitted information to them for follow up.
Wonder why they make me fill up all the detail information online then still ask me to fill up the actual application form. They could have asked for name, IC and phone number in the online submission so the bank can contact us. Anyway, let's see if I can get an approval. This post has been edited by LemonJane: Sep 8 2020, 01:20 PM |
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Sep 8 2020, 08:47 PM
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#3
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Senior Member
1,107 posts Joined: May 2016
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QUOTE(wjleong15 @ Sep 8 2020, 11:21 AM) just saw my application appear in eccris When did you submit? Just want to know how long it is before it shows in eCCRIScl very low... hopefully approve and can get card by this week in branch  |
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Sep 9 2020, 08:44 AM
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#4
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Senior Member
1,107 posts Joined: May 2016
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Sorry what's DSR?
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Sep 9 2020, 11:21 AM
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#5
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Senior Member
1,107 posts Joined: May 2016
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QUOTE(GrumpyNooby @ Sep 9 2020, 08:46 AM) Debt service ratio I see thanks.If there's no fixed commitment only credit card debts, there will be no conclusion for DSR then! What will be the next thing they look at? Credit utilisation % of the credit cards? |
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Sep 9 2020, 04:10 PM
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#6
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Senior Member
1,107 posts Joined: May 2016
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I submitted mine On Monday 3/9/20 with documents as per the branch's request.
The call centre says "... cannot be processed.." then auto-transfered the call to a lady who said it's too soon to know the outcome as it would take 14 days. So it appears my application is still pending, not rejected. You know sometimes the banks don't say "reject", instead they tell you "cannot be processed" - that's Public Bank's style. |
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Sep 9 2020, 05:01 PM
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#7
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Senior Member
1,107 posts Joined: May 2016
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Update: My eCCRIS says RM8,000 credit limit pending. What a far cry from RM80,000 RHB gave to me last month!
Well, good enough to earn RM80 a month! Let's see if the amount can be up a bit more |
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Sep 9 2020, 05:15 PM
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#8
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Senior Member
1,107 posts Joined: May 2016
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QUOTE(fruitie @ Sep 9 2020, 05:07 PM) Out of curiosity, called CS to check what are the cards got approved. My guts feeling said maybe only Duo or VS was approved... I was right! What a sloppy bank, this Affin! VS was approved and no information about Duo. Anyway, I said that is so funny as I applied Duo via online only a sales person came to get thumb print and I applied VS through her.. So, how is that possible? CS asked for the date I applied online and said will check and call me back again, I hope Duo can be easily added since the income requirement is lower than VS. Hopefully can be applied over the phone later.  For those applied two cards, make sure you check to confirm if both cards are approved. Even my sales person also felt strange as she submitted two applications for me. And I will add my story here, I went out of my office for 5 minutes came back to see that the pending RM8,000 on eCCRIS has gone missing! This post has been edited by LemonJane: Sep 9 2020, 05:15 PM |
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Sep 9 2020, 05:25 PM
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#9
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Senior Member
1,107 posts Joined: May 2016
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[
Disappeared mean rejected. Try to call AFFIN IVR to check is it not successful? [/quote] Did that. Same message as before i.e. "...request cannot be processed.." SMS just came in, it says " We thank you for your interest .. we wish to inform your application has not been successful" So it hasn't been a good day for me today, PBB turned down my zero % BT application (self-invited) and Affin turned down my Duo application. Think I have to take a break for a while in my search for a replacement card for HLB Fortune. This post has been edited by LemonJane: Sep 9 2020, 05:38 PM |
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Sep 9 2020, 05:31 PM
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#10
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Senior Member
1,107 posts Joined: May 2016
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QUOTE(avinlim @ Sep 9 2020, 05:19 PM) So, RM80 cb combined for both card? For Visa Cashback. 3% of RM2,666 for online transactions. The other card earns rewards and someone said it's 0.48% in cash equivalent |
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Sep 9 2020, 06:03 PM
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#11
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Senior Member
1,107 posts Joined: May 2016
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QUOTE(GrumpyNooby @ Sep 9 2020, 05:42 PM) Answer: RM80 laVisa -> 3% cash back capped at RM 60 Mastercard -> 3x points |
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Sep 10 2020, 01:02 PM
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#12
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Senior Member
1,107 posts Joined: May 2016
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I called my branch guy and he told me the reason for my rejection is my card O/S is too high and suggested I reduce the amount.
Well I know the O/S will be coming down in the next 2 months because the bulk is instalment payment/BT programme over 6 months/12 months ! So I will try to re-apply again. How I envy those having received approvals. |
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Sep 10 2020, 01:46 PM
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#13
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Senior Member
1,107 posts Joined: May 2016
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QUOTE(jiaen0509 @ Sep 10 2020, 01:44 PM) O/S stand for? Outstanding |
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Sep 10 2020, 01:55 PM
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#14
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Senior Member
1,107 posts Joined: May 2016
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QUOTE(beebee1314 @ Sep 10 2020, 01:50 PM) And this is why i never take BT / Installment payments from banks. Gonna make u look bad in terms of credit rating if they deem your salary not high enough to cover your expenses. Aiya, not that bad la. It's only when you try to apply for new cards and get into a bit of jam. It's timing issue.Balance transfer and easy-payment-plan or flexible payment-plan are good things to have, but need to manage |
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Sep 10 2020, 02:08 PM
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#15
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Senior Member
1,107 posts Joined: May 2016
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QUOTE(snowswc @ Sep 10 2020, 01:57 PM) I applied Affin signature somewhere in May or June, that time I also have very high BT outstanding (PBB and AEON), I max up my BT availability for both banks and I told the officer I have very high BT but he told me no worries because BT can be waived, I was like huh (that time maybe). I believe is true because I got my card approved with quite high CL but I just have no idea how do they know my outstanding is BT or spending. And now adding Duo Cards also not an issue anymore. Oh so the banks can see the split of card outstanding, BT oustanding and EPP outstanding? But the card outstanding does include current spending and the BT or EPP due for the month right? BT and EPP also start from spending, so I thought it should be all included when the banks assess an application? eCCRIS includes everything I think This post has been edited by LemonJane: Sep 10 2020, 02:09 PM |
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Sep 10 2020, 02:40 PM
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#16
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Senior Member
1,107 posts Joined: May 2016
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QUOTE(janson_kaniaz @ Sep 10 2020, 02:29 PM) Just got it! Let the spending begin! Nicer if they make it all transparent, like this N26 card. N26 is a mobile bank in Europe[attachmentid=10581813]  |
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Sep 10 2020, 08:38 PM
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#17
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Senior Member
1,107 posts Joined: May 2016
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QUOTE(don123 @ Sep 10 2020, 07:12 PM) I applied through an officer who the contact was given by one of the forumer here. Submiitted this morning and got approved after lunch hour. I did not believe it was approved and i checked my ccris record and the new card exist there. It was really fast. Can PM so I can contact in 2 months' time? |
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Sep 19 2020, 11:00 AM
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#18
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Senior Member
1,107 posts Joined: May 2016
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QUOTE(rhodon @ Sep 18 2020, 09:14 PM) show in my eccris today as pending, RM8K only... Hope ur application is ok. Mine one showed 8k limit in CCRIS at first but disappeared maybe 10 minutes later. Next minute I received the rejection SMS This post has been edited by LemonJane: Sep 19 2020, 11:01 AM |
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Sep 19 2020, 01:54 PM
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#19
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Senior Member
1,107 posts Joined: May 2016
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QUOTE(notadupe999 @ Sep 19 2020, 12:58 PM) My application seems to be taking a very long time. It seems if you have Affin call then it's approved.Not sure if it's rejected because I missed a call from affin the other day. |
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Sep 19 2020, 04:28 PM
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#20
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Senior Member
1,107 posts Joined: May 2016
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QUOTE(fruitie @ Sep 19 2020, 04:02 PM) Credit card details already appeared on online banking. How nice |
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