good to know, feels like upgrading to platinum, wondering if i'm qualified to have platinum card (in terms of income), but more than half of my income are commitments, do i still eligible to apply for that?

i just paid 3x the monthly amount in single transaction last saturday, and transaction accepted

yes, i did, took 3 business day to process since the day you request, just call their customer service line to request for that

it depends on how you use it, my friend treat it as discount, he spends 100 this month, then he pays 95 on next month after statement out. It's kinda like a discount that way.