must know how to do it safely bro.
i dont really spend so much, but can get so much cash back you see.

dont use credit card banyak rugi
You may want to  think again

you are slow if you wait for bank to close lobang.

cukup makan lah
if rajin play campaign eg RHB daily deal can earn  RM40 every nite 12.00.00 sharp, topup EW RM200
card feature CB is easier
always there if spend amount fulfilled eg  RHB  feature CB  3 cards RM130 monthly
PBB CB RM30 x3, RM38 x2,
campaign PBB  tak tentu ,RM40-RM120 x 3, spend 2k to 8k each, FCFS
Alliance Unigue spend 3k  RM42, VS spend 5k CB RM60+
MBVS spend 5k x2 CB 50 x2
Amex weekends RM50 x 2
UOB x 3 sets
SCB x 3 sets
Affin CB RM50 x 3, spend RM3k x 3
Am true Visa RM30 x 8 cards, spent RM8k a month! but not real spending takpa.
Aeon RM15 x 3, RM750 x 3
ecimb cards x 2, RM1670 x 2, but now 50k points only RM100

and best part is 0% BTs from Aeon x 3 cards, since time immemorial
Pbi standard feature,
RHB, Affin, MBB recently
UOB on and off but big amount BT RM80k each time
i play credit cards more than i work
amount earned doesnt justify my  pay per hour.
my wife sometimes complained why i go for chicken feed money......
may be habitual oredi
but sikit sikit lama lama jadi bukit
Total BTs i have accumulated  dont know how many millions oredi. All 0 fee.