FACTS ABOUT 4-MPD KOPEN REVEALED

It seems Strange that Cardup or ipaymy can know or affirm (or affect?) which card receives the 4mpd. I would have imagined it's the lender’s unilateral decision which transactions are provided or excluded.Is Harvey Norman suitable for 4mpd? I remembered checking the MCC at the time, looks like it’s not within the whitelist?Citi regularly runs p