I've been using this for a few months. Each time I get my salary, I place the estimated amount I will be paying for my credit cards into GIA-i. When I get my next salary, I uplift it and pay for my credit cards in full. Rinse and repeat.

Every month, I get around RM20-RM50 in GIA-i + cash rebate from credit cards.

Anyone else doing the same thing? Is it a stupid thing to do, risking the money to pay my credit cards just to get a few ringgits?