Jun 9 2008, 09:24 AM
QUOTE(hye @ Jun 9 2008, 12:43 AM)
A few stuff about AffinBank credit card based on a few observation since my friend had it since the last couple of months.
- When you execute the BT, they'll assign you a separate account and this account share your credit limit. If you make any retail purchases then you'd have to pay to 2 different accounts when your bill is due. (This is a better system than most banks which mixes the BT and retail purchases and you'll have the problem of payment prioritisation.)
- The CS works only during office hours, you can't get hold of them after office hours. Probably those who travel overseas often would feel uncomfortable about this problem as if you happen to run into trouble with your card overseas + you are in a different time zone - you can't call your bank to help you. However should you lose your credit card then you have a dedicated round the clock number to call in to block your card.
- You can't execute payment for the credit card via GIRO transfer. The AffinBank GIRO transfer works only for their savings/current account. AffinBank does not have online banking facilities thus you would have to physically pay for your credit card @ the bank. The bank does have cheque deposit facilities and CDM but certainly no internet banking.
Probably the last item is the killer - you have no choice to make the trip to the bank to pay your credit card bills. With petrol prices up, online banking is an immediate popular choice for convenience.
been using affin cc & managed to 'park' all my maybank outstanding there, since affin interest rate is much lower. n they have rebates as well if u spend a lot every month. so i think u end up paying lot less that 9.99%. n furthermore, their bank is within walking distance from my office.- When you execute the BT, they'll assign you a separate account and this account share your credit limit. If you make any retail purchases then you'd have to pay to 2 different accounts when your bill is due. (This is a better system than most banks which mixes the BT and retail purchases and you'll have the problem of payment prioritisation.)
- The CS works only during office hours, you can't get hold of them after office hours. Probably those who travel overseas often would feel uncomfortable about this problem as if you happen to run into trouble with your card overseas + you are in a different time zone - you can't call your bank to help you. However should you lose your credit card then you have a dedicated round the clock number to call in to block your card.
- You can't execute payment for the credit card via GIRO transfer. The AffinBank GIRO transfer works only for their savings/current account. AffinBank does not have online banking facilities thus you would have to physically pay for your credit card @ the bank. The bank does have cheque deposit facilities and CDM but certainly no internet banking.
Probably the last item is the killer - you have no choice to make the trip to the bank to pay your credit card bills. With petrol prices up, online banking is an immediate popular choice for convenience.
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