Hi Guys,

I'm currently earning 11K for gross salary, monthly commitment, 1 housing at RM1000, car loan at RM1100 and I have total 5 credit cards (thanks for all those bank where you apply for 1 and they will give you 2 cards together)

House property buying at RM600,000. Paid the 10% ady. Applied for more than 3 weeks now but still cant get it approved as in no feedback from agent. The house is around 80% complete based on what the developer mentioned.

Is it because of my credit card? I think I have quite a fair bit (~RM15K) of credit card balance...but i've being paying up on time and definitely not minimum amount...another thing is that last time i did a 10 month installment payment for an iMac..is this currently bringing me down?

Regards,
Zul