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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 May 13 2022, 07:32 PM
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#1
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Junior Member
339 posts Joined: May 2012  
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Hi there, newbie here may i know if i made a SA pledge for like 2k, then how is the statement balance calculate ?
if i spent 2k then i pay back to clear my credit limit in order to spend another 1080, will my statement balance with 3080? or just 1080 as i pay off my 2k? which i wont get the rm80 cb |
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May 14 2022, 12:25 AM
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#2
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Junior Member
339 posts Joined: May 2012
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QUOTE(Papertank @ May 13 2022, 07:50 PM) If I am not mistaken, minimum pledge is RM 5k for affin duo cc SA pledge start from minumum 500, 5k is fd QUOTE(cybpsych @ May 13 2022, 08:03 PM) u need to 'hutang' first until statement accumulates to >3080 if that the case, means i have to open up to 3100 for SA pledge in order to maximize cbif you pay after spend, simple math would be: spend -2000.00 payment +2000.00 statement amount 0.00 so i spent the amount of 3080, after statement out then only i pay off izit ? the interest free period is calculate 20days after statement right? |
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May 14 2022, 06:34 PM
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#3
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Junior Member
339 posts Joined: May 2012
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QUOTE(cybpsych @ May 14 2022, 05:39 AM) if you planned to always repay after statement or by payment due date (eg +20days interest free period)....yes, RM3100 CL should suffice. next spending could only happen after you repay back since you need CL to free up. let say after statement, i repay back and it will clear off cl immediately right ? so i can began next spending for following cycle and keep repeat. so i no need to put another double amount of pledge.imo, better allocate CL of 2 times, around RM6.1k or RM7k instead. this allow you to maximize 20days interest free period (repayment) and new spending immediately on/after statement date......whereby you could potentially hutang RM3000+3080 before repayment of RM3000 to happen 20days later. |
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Aug 28 2022, 04:57 PM
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#4
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Junior Member
339 posts Joined: May 2012
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QUOTE(2387581 @ Aug 28 2022, 04:23 PM) I tried it myself. Confirmed first month can only get RM50. i assume is first cashback is depend on first statement, so achieve 3080 will get u 80 as well since your example prove do get rm50 cb for firstmonth from topupSee my post here and fellow forummers replies. I activated my card 1st July 2022, means I don't have a previous statement to begin with. The rule is previous statement balance >3000 to be eligible for RM80, so I get only RM50 cb for first month. So you can plan accordingly.  |
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