yes, definitely based on the posting date (final). if unposted, transaction is still floating/non-final.

for cashback calculation, it may differsn from banks to banks.

yes, if you want the transaction to be posted for the coming 8th statement.

sometimes, you purposely want it to be posted after statement date (8th) in order to prolong the repayment. in general, can be up to about 50 days.

fyi...when a cc transaction gets charged and AUTHORIZED, it will flow to CAPTURE status (floating, pending for merchant to settle).

once merchant perform settlement, the status changed to SETTLED which means it gets posted as final into your cc account. this is what is billed/statement-ed.

I cancelled my HSBC card 2 months ago and trying to apply for new one from CITI and Standard Chartered since 1 month ago. However both bank rejected my application. My CCRIS is clean and I am above the min salary requirement for both cards. Does anyone face the same issue? Is it because I recently cancelled my card and now i am in the black list?

https://forum.lowyat.net/topic/4444990/+1900 , read post 1910 . New bnm interest rules is much much complex now. If possible avoid it.

Yes lor of course lor

Your 5k outstanding and new posted transactions all will kena interest.

Paying minimum only to avoid late charge. But you still owning ma. of coz kena daily interest lo.

Late charge & interest are totally different things.

daily interest summore??? brutal

Maybe debit cards suit you better, no interest. Spend only within your balance.

how is conventional CC different from islamic. heard islamic cannot charge interest?

I have a card that is expiring soon. On the account balance and the IPP I made, will I have to pay it lump sum? Or it will be transferred to the new card?

transfer to new card, it will have the same number anyway

yes, and the CVV number as well
unless the renewal card went missing and did not reach your address, then a new number will be issued - this happenned to my UOB card twice