I am not an expert. I cannot answer those questions. I said I had similar doubts
I asked you to create a new thread not to post under my thread that I linked (I'm not being rude)
Make separate threads for different questions (from my experience here, people usually won't answer all questions numbered 1,2,3... in a single thread.
Make one thread for account/statement related questions and one for credit card related ones. Or ask together together if you wish
Also use the search feature in this forum, use specific key words in your question ( like "credit card statement"), you might find similar threads
All the best and feel free the ask any questions to me if you want (I'm a beginner here, can't answer much)
Also you can start private conversations with any member if you click on their name and go to their profile. Senior/expert members will get hundreds private questions to them and may not answer yours, but you can try your luck
Everything that I have mentioned above is from my experience in this forum during the past few months, may not be accurate...
Btw, have you got your ITA or researching/preparing like me ?