hai all sifu, im newbie. for now im only had citi CB, try to apply amex but fail (will ask my wife to apply), HSBC amanah on the way (to get lazada RM500)

after go through the forum, this are my plan to pay my bills. total CB 120/month. ~rm2500/month payment.

MBB amex RM 50
-insurance rm 1000

PB quantum master RM30
-TNB RM 650

UOB yolo RM20
-celcom RM 240
-astro 150
-TMnet 150

citi CB platinum RM20
-petrol 400

misc, grocery ~Rm300, enjoy2 ~RM300 -> just HSBC amanah with 2% CB

want to ask any cons or suggestion for this draft.