3 questions on NISA

Hello, relatively new to NISA investment as I started last year in March.

sorry then if these questions are obvious.

  1. is the 3.6M allowance resetting from beginning of Calendar Year or Anniversary date I started my Nisa?
  2. I originally maxed out the 2.4M for Growth in one installment, then filling in the Sumitate with 100k/month. I seem to have read somewhere that there is another way that would be to allocate also a mex lump sum in the Tsumitate and just pay in 100Yen/month afterwards.Is that right? how do you do that?
  3. I use Rakuten Securities as the broker here, sending money from a Bank account to Rakuten bank created account that is the used for the Growth and Tsumitate installments. Is there a way to proceed these installments via a Credit Card to take benefits of cashback/points whatever is associated with the said credit card?

thanks a lot for your advices

by nolivedemarseille