QUOTE(cx2531 @ Apr 18 2014, 05:19 PM)
hlb wise need swipe 10 times per month. afraid didn't swipe so much because need to utilise amex as well
each card has its pros n cons

i only use amex exclusively on weekend. hardly use on weekdays (unless those that i cannot avoid, like work lunch/dinner).
all my personal spending (petrol, movie, dining, groceries) shifted to Saturday and Sunday. Weekday, rest my wallet and tabulating Excel to plan next weekend spending!
next month, i'm gonna swipe my AMEX for Etiqa Takaful (about RM1.6K). there goes my CB.
dont need 2nd card either cuz i seldom spend >RM1K per month (probably 2 months in a year). No need incur GST for no reason (also cannot spend more to gain more cb to "offset" the GST anyway).
imo, gain more by spending less