hey everyone, just to check with you. I plan to register for CFA examinations and I would like to pay with my Maybank2kad, amex. someone said that it's based on the transaction date and local time. Since US (CFA hq) is 12 hours slower than Malaysia. means if I pay below Malaysia time (Sunday night 12am).I will almost confirm get cash back and it should be a cheaper option than using my VISA card?

Thanks!