Hi guys, sorry Im a newbie here.just got my maybank 2 cards amex and mastercard. I've already look around and cant find what i need so i need clarification.A friend of mine told me that if I use Amex, i need to clear all the payment made using Amex by the end of the month compared to using mastercard. Is it true? or does it depends on the outlet/place I swipe the card wether they have the 6/12/18 months ezpayment thus I can just pay minimum monthly payment or more as however I like?

And based on what I read and know so far, the best way to use these card is to use Amex everytime it is usable and on weekend, and only use Mastercard if the outlet do not accept Amex. Am I correct?