i pay in full every month. no single cent of interest charged to my account. my payment record in CCRIS is all nice 0 0 0 0 0 0 0 0 for 12 months

however,
overr CCRIS record there, we can see the total credit limit and also outstanding balances

for examples, for total credit limit for all my credit cards is 100k, but I have RM60k outstanding balances (due to balance transfer). maybe bank will think that i am paying minimum payment for each month only and therefore label me as high risk

if my petrol is rm255, then i will get 10% = rm25.5 and round up to rm26?
if my grocery is rm255, then i will get 10% = rm25.5 and round up to rm26?

so i will get rm52 with spending rm510?

Hong Leong Bank: Credit Cards - Grab this chance to enjoy this irresistible offer
1 Jul 2015 - 30 Sep 2015

More info: HLB | T&Cs (EN) | T&Cs (BM)

I read u must take 2 card + 1 supplementary card. So is total 3 cards.

any 2 cards: dual principal OR principal+supplementary

walao, seriously true 



Source: HLB Facebook