While I can get this card approved at any 1 time following old annual income, but I don't see there's any pros on it, I need to pay rm800 of AF.

Well, this card if gold the requirement are not high, just get principle card.

Merchant has to do the settlement on every terminal daily and usually at night time as once this procedure are done, it will become next day already. So some are doing it late night. Is normal for posting date are always later than transaction date.

This is what I love on Maybank cards

You need to double confirm before applying Maybank cards, last week when I want to apply my Ikhwan gold mastercard also the same, the officer don't know what is what

That Petronas card no doubt are offering high TP, but i don't want to destroy my engine, so no Petronas petrol for my fake Lancer

You need to have at least 2 bank's card to get more cash back out of your spending

Getting > 1 card is the best way now, but yet you need to know your spending habits before applying a card. Like me, my typical spending are groceries, petrol and utilities and very seldom spend on departmental(except nearing CNY where I need to buy cloths) and once a while spend on dining. So in my wallet I got MBB's dual card(free for life), AMEX gets 5% cash back for dining on weekend and others 5X TPs which translates to 1.25% cash back by redeeming AeonBig's gift card of rm100(get rm105), HLB's STUPID card(due to the T&C) for petrol and groceries, PBB's VS for utilities(using online payment to get cash back) and now waiting for my Ikhwan to cover the balance of groceries and petrol for my wife's car.

Well, kind of grey area for this I can say, since the terminal's print out won't really tell you Halal or non Halal transaction. Maybe this Halal or not thingy are more on where you spend the money. If(could be wrong) you buy from a full pork shop, guess that will not entitled for cash back, but for Aeon or others, you need to test.

1.5% per month only, daily count.
Like you spend rm800, pay rm300, it will be only rm0.15, but for new transactions also will be charged interest.

Anyway, my Ikhwan approved already, sharing credit limit with my dual cards.
This will be my first "gold" card after I cut my last gold card 8 years ago.

Soon will become a supplier of Milo and sugar to kopitiams

No use for me, prefer to hold gold.
With my pay, indeed I can get higher end cards, but then my CL already been maintaining low, so no point
I only spend rm1000 sharp, not more, not less, so gold card is ok for me.

Not really, I can choose. They also asked me for this but yet I insist to get gold

Getting platinum card but want to buy business class tickets also need to call for increase CL, forget about holding such cards
Anyway, 10 years back my CL for gold card was quite high(when less restrictions and intervention from BNM) at rm20000. Got fraud case on that card and about rm8000 involved
That time also I'm holding 7 cards, with this incident, I decided to cut almost all and won't taking high CL for my cards. Even now my PBB's VS I'm applying to reduce the CL to rm10000 from rm100k
Getting the card that fit the purpose now are more important for me. If can, I prefer to have my cards to have only rm5000-8000

Yup, that's right. Anyway, if we don't spend much, no point to get high CL also.
Not referring to you, my self only. That time because of Qatar Airways doing offer, need to buy 3 return tickets in 1 shot(close to 40% discount and only 20% more expensive than economy class), since the tickets is I buy then claim to get tax free, so I have to increase the CL. Just a phone call and tell them on my pay records and I got it increased for a month.
Now I'm still waiting our country to use pin to verify transactions which will be safer. But then Visa paywave will be more or less useless. Now credit card fraud case numbers are still high.

Yup, you will lose 1 month's cash back

I think that's for September cash back

Yeah, just see. But I guess no. So next month you can't swipe any already.

When we change the statement date, the current month's statement won't be out and will be carried forward to next month's statement date. When I asked the officer that doing my application, she also says the same. But this officer were kinda blur when I want to apply for this card Hope she is wrong on this
This is how I "lost" rm50 on my PBB's VS Because the statement "extended" to 2 months instead of 1 month.

Well, hope so, but PBB's card sure cannot.
Rightfully, I should getting the cash back, but they are using "only rm50 per statement cycle" as the reason to give lesser, so all payment I have to stop for last month and did all the transactions this month. My online purchase has to postpone first
Just hope MBB don't use this as reason also

Well, just wait and see

Well, by removing the 10X rm50 requirement, state clearly that cash back are not 10% will entitled for a name change

Well, let's wait and see

This is normal, get this SMS, keep it until that transaction is posted. If it is showing rm200, you can file a dispute.