"true face" as if any bank (or company) is actually your friend. Anyone who believe that is naive.

I... earn less than 200k but get more than 50k limit on some banks. Its not merely salary that they look at.

With all those criteria, IMO not very useful. My salary is like 40% lower than that but I'm getting CL 98k from UOB, 60k from SCB (and still 15k at my first bank Maybank). My 'cycling' banks (apply, cancel after no more benefit) give 30-100k CL. Its quite 'personalized' based on employment, commitment, and other factors that only each bank will know. What we can see as consumer is just general trend that some bank very kiamsiap (maybank/public bank) and some banks more generous (formerly citi was the 'best' at this).

I have no answer for your question but... why would you want to overpay (except if via 0% balance transfer and the like)? If your BT was 20k in the first place, and you have the 20k available to pay it off, why not leave it in some savings account which earns interest until you have to pay back?

In my opinion, such monies must not be left in the same accounts that you spend from.

Nowadays with ewallet, I think generally you can leave the spending amount in TnG (accepted widely in Klang Valley/Penang at least), and leave the monies which are dedicated for repayment in your high-interest savings account (Rize for example). That one cannot be touched except for repayment.

This way helps with discipline. It is essentially the envelope budgeting method for modern age. Savings account are almost free anyway.

Depends on individual, my own applications have had no issue, and I have 10 cards currently (slightly down, used to be more). My industry is super stable though so maybe that contributes to it.

Why better cashback per category? UOB One gives 10% without date restriction. HLB gives 8% (less) with date restriction (weekend only). This is fine for some types of spending (e.g. petrol and online spend) but other types not so much. Dining isn't weekend-only (in fact for working adults trying to save money, dining spend probably less on weekends since have time to cook), grocery spend as well depends on individual timing (e.g. grocery near to workplace then weekend cashback isn't too helpful).

HLB is good because online is not limited to only grab (like UOB One is) and I believe the grocery list is MCC based and hence wider than UOB One's limited list (I say limited but practically for my KV usage that's the only grocers I can use CC at anyway).

Anyway because of that I and my wife hold 3 UOB One cards and I've cancelled my HLB Wise long ago. Our weekend spend not sufficient to justify the card.

Another reason - WISE I only held for 11 months due to refuse to pay annual fee. HLB doesn't provide annual fee waivers.

Most banks will try to retain you with some sweets. If you really don't want then just tell them no. Why do you want it to be immediate?

What are you exactly trying to cover? The way you are talking like hiding some big secret, then expect advise?

You are asking for advise without specifying what it is you are trying to achieve. Good luck with that.

My experience with P2 - paid in full for the car with CC, no extra charges. But the sales agent had to 'request to management' for permission.

You quoted the wrong person. But BNM definitely applies for anything CC related. Whether pronet or proton or whoever.

Firstly, how do you understand that from what you posted? That is talking about e-invoice for the cashback (which is a transaction where the banks pay us).

Secondly, anything you transact using a credit card is already tracked by the bank, and they are NOT hiding that trail from the government. Don't want government to know, use cash.

Third, what exactly is your concern with 'gov having first hand info on our spendings'?

Not entirely sure what your concern is - none of these amounts are opaque to government or LHDN even before this. It is cash spending which generally triggers LHDN, precisely because of non traceability. I would say there are plenty of spend>salary people in these forums, and there's no indication this is a reason for LHDN audit.

Of course, since less competition for CC campaign cashback means higher chance for the rest of us, please do feel free to reduce spend so that you can sleep well at night (this is more important than a few more ringgit cashback).

If for buying big bikes, don't think you need to restrict yourself only to islamic credit cards. More options for you is better.

In my experience higher credit limit given by banks like UOB. More stingy is banks like Maybank/Public Bank. In general the local banks more stingy than the foreign banks.