The 5X TPs are something worth to keep, that's 1.25% of cash back and it is no restrictions on where you spend, only restriction is the merchant does not accept AMEX.
Since it is free AF, so I just keep it.
A bank does not simply offer you anything, they "offer" you is because you have good track record to them. As now banks cannot simply offer any cards to people due to some regulations.

Is it? How come never happen to me? I apply Ikhwan using my IC only, the officer said need all the documents but I insist just submit the bloody form with with photocopy IC only first and I will provide other documents if really need.
As expected, 1 week after I get SMS saying my card approved, the next week I was rushing like a road menace to get that card and on the same week I did the full trolley shopping that cost me rm470

Not really, as bank will do a risk assessment for all applicants.
As I'm keeping a sum of money in their bank, that money actually bring my risk to minimum.
There's no lucky or not lucky to begin with for this, if were to say lucky, I guess few years back before BNM put strict restrictions on how many cards a person can hold. I still remember during my prime time of having 6-7 cards, my income was actually way lower than now.

Yesterday I take dinner, today I still need to take lunch.
Last time is last time, anything can be changed
Last time Sushi Tei accepting AMEX, but yesterday they do not accept.

After doing price surveys, even after the discount, some items are still way expensive
As if you buy small items, you will get charged with admin fees

I got 1X only

Nope, I never pledge FD when applying a card, waste of time.
Some more I only apply using my IC, so I LC, bank also LC
But my average spending only rm1000, so I got no problem even they only gives me rm2000

2 years ago. For MBB dual platinum cards.
HLB 3 years ago IC with EA form only.
This year PBB's VS and Ikhwan gold again the same.
With IC only financial institution can know your income tax, your EPF account and banking accounts.

Because the officers are lazy

You can lodge a complaint against them through consumer department, reason is they forced you to take something you don't need.

Sometimes is good that if we apply consumer rights.

It will follow the date you apply for the card.

How much you set?

Ikhwan card only can cover groceries and petrol. Unless you have other cash back cards to cover other spending, else is better you keep this dual cards, can use AMEX to pay TNB and TM bills which is 1.25% cash back.

Just keep the dual cards for other spending.

Call card center to let you do the transaction, and do let them know the the total price of the items you are going to buy.

But it can be used to pay utility bills. That's the only reason I'm still keeping it, like shopping in Aeon, Hush Puppies also accepting it.
As said, only cut it when your other spending are covered by other cards. Still they are revising the benefits now, suggest to wait and see.

Using AMEX to pay Paypal never been the best option to begin with as you may be getting 1.25% of cash back, but AMEX's admin fees are way higher than that. Last time is worth it as we still got 5% and TPs which same as 6.25%.

For sure such thing will happens as the admin fees for AMEX are at 4-5%, if rm to rm they can't make money from exchange rate.

You can always ask for a temporary increase without any documents.
As for permanent increase, just salary slip may not enough, EA is the best support usually.
There's another way but I guess does not really happening now which is you keep on spend close to 90% of CL and always pay on time, the bank may increase automatically for you. Maybank was 1 of such bank. I got increase from rm3000 to rm6000 last time(close to 12 years already).

Asked before, nope, you can't.