Statement date is fixed for Aeon card, so your statement will be issued on next month 10th June

You can pay your bill before due date (2nd July I think)

1) CCRIS should be zero but don't even start paying minimum.

2) Benefits? You spend how much, then you should pay back how much. Why wanna pay minimum for them to earn you interest? In the end, you gain nothing.

3) I use M2U to Citibank and use AEON card as account no. RM 0.11 only.

The benefit is you don't have to pay interest. If you use a card which gives you cash back, has no annual fee, and you pay what you owe in full, then essentially the bank is paying you to use their card instead of you paying them. This may sound harsh, but if you're actually planning not to pay the statement balance in full every month, then maybe you shouldn't be using a credit card in the first place. It's a very bad idea. A little spending here and there, and one day you'll wake up to 4–5 digits credit card debt.