U mentioned Maybank 2 Cards? It's come with 1 set, because not every place accept Amex, thus u can swipe with ur Visa when Amex can't be use.

For M2Cards, AmEx is the useful card. The other card I locked in drawer.

Not rare but not widely accepted either. But for bigger merchants (departmental, hypermarkets, certain petrol brand, pharmacy), chances are high.

Refer to this thread contributed by fellow forummers: https://forum.lowyat.net/topic/3532126
I manage to maximize RM 50 cash back every month.

Statement balance will not change or real time updated only outstanding balance will change.

not dumb.

statement-ed amount never change. it's fixed. it doesn't TELL you to pay, it's just a statement info for the current cycle USAGE. it's just like postpaid mobile bill.

what u truly owe is outstanding amount. it increases or decreases according to spending or payment.

benefit of postpaid-monthly billing is you only need to clear each statement amount, latest by due date. any newer spending after current statement date, will be billed in next statement cycle.

since u cleared all outstanding amount, then it's fine anyway. it doesn't CHANGE the fact of your statement amount, right? what were spent is documented in the statement.