Maybe you can try and inform us one month later to see if sst will be imposed on unactivated card.

Another experiment...
6 months later if not activated, will Duo MasterCard account go disappeared, ie terminated by system automatically?
If Duo MasterCard is terminated by the system automatically, will Duo Visa be still functioning well?

Yes i just activated the cashback card.
Reward card is in the drawer with other unused cards.

Anyone got any experience appealing against the finance charges and late charges? I missed the payment due date for first statement until they sent SMS and I immediately paid.

it's hard to say. rhb shell didn't honour it under ewallet or online. pending investigation.

Card account still exist as long as the credit is granted (Duo Visa is activated)
Kastam - First year SST is based on card activation, subsequent SST is based on card anniversary.

My friend from TnG e-Wallet has responded to me after speaking to their internal relevant team, they are now aware of the MCC issue after I reported (with the help from you guys) and will look into this issue. Hopefully some good news for us later. Fingers crossed.

Not really. There are issues in getting CB.

old news retracted. business as usual for now.

wait for few more days for any possible new announcements.

I noticed I haven't been using my Duo that much in the recent statement cycle.

I saw posts mentioning spend RM 1667 and get RM 50 right? Still not too bad. Otherwise, which card still gives cash back for insurance auto-debit besides SCB JOP or MBB FCB VS?

Looks like I have no other option but to stick with Duo for insurance auto-debit.

Eh no,  I dont see any minimum usage requirement.

Let's say for the previous month you got RM80 cashback and you spend exactly RM3000.

Do you think your statement balance is RM3000? Or RM2920?

If based on statement balance then effectively you have to spend RM3080 per statement to be eligible. I do not know any other bank which practices it this way though. And this isn't even considering refunds of AF/SST or what not (or whether AF/SST are included in the 3000 since they do appear on statement).

I would guess that it's just simple RM3000 spending per statement. Or more complicated a bit, highest outstanding balance in the system was 3000 in the statement month (this one maybe can manipulate a bit, so I don't think so).

i like pay on time. today swipe, tomorrow pay. if like this, i wont get 80 cb right.

I am not an Affin credit card user, but based on my other credit card statements, some banks would state the total credit limit used for the particular month in addition to the statement balance (e.g. HSBC and Maybank). While others, only state the statement balance (e.g. RHB and SCB).

HSBC
- Total Credit Limit used RM XXX.XX (this is the total amount used regardless if u repay immediately like as if a debit card (@akkaz) or receive cash back/refund/reversal)
- Your Statement balance RM XXX.XX (the statement balance)

Maybank
- Total Debit this month RM XXX.XX (this is the total amount used regardless if u pay like a debit card (@akkaz) or receive cash back/refund/reversal)
- Sub Total (Statement balance) RM XXX.XX

RHB
- Closing Balance / Total Outstanding Balance (cards) RM XXX.XX (all in, including ur prompt payment like a debit card (@akkaz), CB/refund/reversal)

SCB
- New Balance RM XXX.XX (all in, including ur prompt payment like a debit card (@akkaz), CB/refund/reversal)

If Affin statement is similar to RHB/SCB, then 3000 is the statement balance. So may not get CB if use and pay immediately before statement sate as per @akkaz

outstanding = didn't pay in full. You need to incur financial charges. Not how much you spent.

Aware of ambank carz card? The same method.

And not everyone pays their outstanding in full, it's a joy for min payment or those doing partial- leaving 3k / unable to pay in full and at the same time gives them 'better' cashback.  Banks like them more.
Don't think they will be so nice otherwise many will just take up their 0% BT to have "outstanding"