Dear lyn, mybe out of topic abit but need opinion & enlightment;

Does increase credit limit require check for ccris/ctos?
Always got call promotes for CashLite-Take portion of credit limit.
Reject their offer everytime, cuz last time apply failed. Ccris record no good.

Is wise to apply now? On the edge now..payin minimum also 5xx per mnth.
Plan to paid off total cc outstanding then saves from high interest + lower monthly commitment.
Also kept using cc as benefited from using at petronas (7% if balance 3k above)