hi there, i am planning to take personal loan for my cc debt.

My question here is if my basic is 3.5k + other allowance can reach 4k.

I want to take 7k loan with 2 years tenure, will this affecting me getting a car loan in next 6 months which will cost me approximately rm900 monthly repayment?

I want to consider thoroughly before applying this.

I need to have one credit card for 1 year regardless of my debt with the cc issuer?