Guys, I have just started working not for long, and I am particularly concerned with my CCRIS for future plannings. I heard that credit card statements do affect my debt service ratio and I am afraid it would bring a negative impact to my future loan applications

Say my monthly income 3k, but my credit card oustanding monthly is about 2-4k, and according to DSR calculation, my DSR is ~67% to >100% is that right? I am able to service it on time every monthly

Yes, that's true to a certain extent, but what we can do is to minimize that risk exposure to the best of our abilities. All of the bonds I purchased are under water, if I needed to liquidate them, but if I can hold them till they are called back or mature, I'll always get my principal back.

I've just taken a selection of the bonds which I hold with MBB - and as you can see, some have appreciated from the purchase price (the second line within the horizontal column), while some have depreciated. Regardless of the movement, as long as the companies are not bankrupt, I will continue to receive my coupon payments on time, every time - and, at the end of the day, I will get the $250,000 back for every bond purchased (sure, I might lose out if I bought some from the secondary market, but that's usually no more than one coupon payment).

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High risk high return. U trading using indicator bro?

Go dump your money into s&p500. No need to think so much. Clearly you didn't do your homework yet despite me giving all the links for you to read.

You should not open Ibkr if you are not ready to invest. Remember even TSG have inactivity fees if you have less than I think USD1-2k. Of course if you don't mind losing money then just give free money to IBKR.