I guess they only approve your application up to Gold card level only. i.e. they don't qualify you for plat card.
Well, at least you start off with gold, rather than rejected. Build up your monthly prompt payment, get higher income, then in 1-2 years time, submit for upgrade to plat.
Yes, it does. If you buy RM10.50, TP will be 10.50 x 5 = 52.5 TP
However, whether it rounds up or down, is subjective. I have transactions at 0.5 round up to 1.0.
I have some transactions at 1.75 round down to 1.0
Call up CS, verify your details. Then ask them to check status and what it is.
like that maybe i need to separate key the decimals x 2 for my spreadshet, then at least nearer than x 5.....