so the conclusion means any online transaction is in USD, always use AMEX. Other than that, all transactions use visa and mastercard ?

Nope, that's the only loan i have for now. Just started work since last year. So means my car loan with TOYOTA Financial will affect i got the approval of applying credit card? But I haven't got the car and start paying the installment. Maybe i should try reapply with more supporting document.

Appeal means re-apply? But in terms of my salary and document, I should be fulling the requirement?
Sorry i got too many question.

toughest card used to be the legendary OCBC Ti 

well, i have surveyed those stores and there is one model of led tv selling at aeon big, just beside my house, 60 inch for 2999, no other stores got this offer, of course its an old model.
other stores selling 60 inch LED TV for 3.5k above...

i plan to take 6 months installment which is 4.5%, deduct from 5% CB, still got 0.5% and TP right?

forgot to mentioned, aeon big also offer installment, but not using amex.
so is it wise to use maybank visa instead of amex for the installment?

Unsolicited? I guess this is not considered as what you said.
Pre-approved does not means approved, it still need our verification.
And the bank do called, right.
Unsolicited banks like you said will be HLB, never honored what they said, like they put "dining" as cash back, but with small fonts until not much people can see and then say cannot get CB due to MCC different.
For my case even better, they can provide me the MCC.
Which is worst? A bank that call you first or a bank that does not honor what they said?

comparing mbb vs hlb ?

can we check day to day amex currency exchange rate online? like visa

Same here. CIMB and OCBC gave 5 years

does activation of MSOS help us to prevent internet fraud?

I already request the CS to set to Rm1 during my card collection time.
Friday till sat before noon I still able to get sms, then after that till now no sms.

online transaction? or at retail shop?