Call and cancel so that the credit card will be removed from your name and also CCRIS report. If not, it would appear as an outstanding commitment based on the credit limit assigned.

Some answers :

Contactless means no key in pin at all. Means transactions below rm250. Apparently some banks considered those that scan card (contact less) and then, keyin pin as contactless and some don't. So, be safe only use for transactions below rm250 so that don't have to enter pin

Card can be delivered to the branch or to your office/House address

Best way to apply - no promotion currently to apply direct at the bank website. The only small opportunity is to apply through direct sales agent. I applied a few months ago through a direct sales agent - at least got some small benefits like a free gift (not expensive one) and SST paid or reimburse by him 😂. If you want, pm me your name (initial will do) and contact number and I can ask him to call u

Affin doesn't have a mobile app

Post 5719

I got a hair dryer, looks like Dyson but certainty not. Maybe worth about rm40. Also, he pay for my SST of rm25.

Not a lot of free gift but better than nothing if applied at the branch or website.

Some freebies to consider if u want to apply the Affin cards through this agent

Card sales agent la

Done

See my previous post.

In summary, hard to get any freebies from Affin. However, I have a contact with an Affin credit card sales agent. Can get some small freebies like (1) activation gift worth about rm40 to rm50 and (2) reimbursement of first year SST of rm25

Nothing much but better than nothing. A few fellow from this forum have applied through him and got the freebies

If interested, do pm me

Invikta is Affin version of privilege banking. Maybe u get rejected as didn't meet their invikta criteria?

Can cancel immediately.

The reason why the credit card agent or staff telling you this is because they will only be paid sales commission after 6 months. So, ask you to cancel in bulan 7 😂

DM me if you are interested

1) Cash back based on statement date and on transactions posting date
2) Yes

Shared many times previously here.

I got a sales agent contact from Affin. Apply through him to get:
1. Activation gift worth about rm30 to rm50
2. Reimbursement of 2st year SST of rm25

If interested, direct pm me

No wor... I applied for the BT yesterday at 0% for 12 months 😅

Applied and approved

Do, refer to my earlier posting on getting some freebies through sales agent

Most probably due to you having a few credit cards.

Credit card is considered unsecured loan. The amount of your credit limit is treated as the amount of your unsecured loan. Yes, you didn't use all your credit limit but the limit is treated as the the maximum exposure as you can use it.

So, chances maybe due to the credit limit for all the cards is too high

Pay is only 1 one of the considerations.

You need to look at the amount of your total borrowings. It might be that you have a few credit cards. For your information, credit card limit is shown as unsecured loan even you did not use the credit at the moment. The limit represents the amount you can use in the future. So, it affects your affordability to applying for new credit card

Q - are we able to get loyalty cashback or something like that to offset the service tax?