Not your spending, but still your commitment. When a limit is given to you, it becomes financial commitment. Whether you utilise it for spending or not, it is already there. Everyone has a financial commitment credit limit based on their salary.

So let's say today my credit card limit in total is 100k. Because of this, I will not be able to borrow full loan. Of coz there are other criteria, but credit card limit is definitely one of the major determinants in loan application.

So, a limit is NOT just a limit. A limit is a threshold allowable to a person as a financial commitment. So, the higher your credit card limit, the lower your housing/car loan limit.
Finally someone who understands that credit limit is NOT just a limit.

LOL don't have to be sarcastic. But anyway, just sharing what my car loan officer told me. I used to think like most ppl do until the officer told me so.

If they accept AMEX card payment or make the payment from Maybank2U using your AMEX and you pay on weekend , then YES.