ic ok. thanks.

that's why if used the amex card within the last few days of the month, will have less chance to possibily use the current month quota especially on 31 may 2025, even used already also considered next month quota likely.

icic.

Anyway to still earn rebates for TNB bill payment?

renew roadtax using myjpj app using amex 2 card will have cash rebate or not during weekend?

is it common for bank to chase for payment even before due date nowadays?

my due date is 23rd of every month.

No. I never missed any payment before. I always pay on the exact due date monthly and in full.

Icic. This is the first reminder I received recently.

for credit bill if i everytime only wait until the last day (or so called the bill due date) only i paid the statement amount in FULL, does it hurt my CTOS and CRRIS score?

i am just checking, becos got property agent on youtube shared that recently a lot of home loan not approved. and if u use 70% of credit limit or more it will hurt ur scores.

e.g. if one is using average 40% of the credit limit for each statement monthly, and bill due date is almost one month later.
so by then u really pay ur bill in full, plus ur current month of usage (maybe another 30 to 40%) until u paid off the bill, u may already used more than 70% of credit limit.

This post has been edited by westlife: Oct 20 2025, 10:03 AM