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I already hold 3 Gold charge, MRCC and Smart Earn. Looking to add travel card for more MR points. But afaik 1 charge card and 2 normal cards are the maximum one can hold. Anyone able to go past this limit?

So i recently bought something at apple store. I had around 30k reward points and I just put in my PIN and 30 mins later I realised I have got an email that I had used "pay with points". The biller didnt ask any consent for this from me and did this on his own. Pretty much lost out on 2.5k rs if...