They sent another SMS again to ask me if I want the free CL increase for my Amanah.

You think I don't, I do actually.
I receive their calls once almost every 2-3 working days offer the same thing as yours. Luckily I let the CS offer first before I politely reject their calls, else I will miss the application for VS without documents.

Normal postage only. I got within a week in KL.

Actually most of the cards I got via courier service...

I'm keeping the VS since more and more cards have taken away the PPL entitlement. Moreover it only requires one transaction per month for consecutive 12 months and will auto AF. I don't see any difficulty in retaining it, hence I will continue holding my VS.

Ya lo, so just accept it. My Citi PremierMiles will be cancelled soon... They will not waive the AF since super low usage, I will miss the airport rides but well..

Having multiple cards for PPL is a good decision in my opinion.

First post is no longer relevant. Moreover for cards like VS and Amanah have waiver criteria, so long you fulfill the condition I don't see why it's not.

No, you don't need any security device to use for HSBC credit cards. I receive TAC via SMS.

I also have credit card with HSBC only. I paid Digi bill with MyDigi app with ease, receiving SMS for TAC.

How do you login? I choose login with passwords and it's 2FA type.

I just tried and same as your problem. Anyway, it's not important for me because I pay directly in the merchant site. Looks like in order to pay with HSBC site, you need the device.

Why didn't you pay directly at the payee's site?

Syabas, HLA insurance I'm not sure because I don't pay for them.

For Maxis and Digi can pay via their app. Fast and easy.

Yes. I think for Hotlink, you can reload using Hotlink RED.

Last year I applied Amanah Plat just to get 0% cash installment but I haven't been spending a single cent with this card and have no intention to keep it. I intend to pay both 11th and 12th installment together and cancel my card. I think this is OK? I lazy want to wait till 12th month and see AF is charged to my card, so I need to call to waive AF and whatnot.

I will continue to keep the VS as it is more beneficial to me.

No intention because I will keep its VS, so not going to be any "new" customer anymore.

For PPL only.

Nope. I believe for miles conversion, nothing beats Maybank2Premier yet. Anyway, I'm not a fan of collecting airmiles, most of the time I combine my holiday with business trip and paid by company or I pay the difference if I extend for my own stay. Other time, I just pay for my own flight tickets.

If I want, I would have applied for M2P.

Yes, I have both.

I don't see why you shouldn't as this is stated as waiver criteria for VS and Amanah cards.

Hmm. I will receive SMS from HSBC to inform my bill is ready to view and download. In the SMS will have statement balance amount, minimum amount due and due date.

I usually just login via app, since my usage is fixed every month for HSBC cards, kinda can guess how much I will need to pay.