The question you need to ask yourself is: do you really need another card? Then the next question is: Are you able to service what you've "loaned"?
Me and my wife added together only got 3 cards and we pay full every month. Thus I'm surprised so many people hold so many cards. I can understand if one wants to use the "benefits" the card's provide, eg Citibank Shell card for petrol rebates, CIMB for petronas etc... But I still do not see the need to use more than one can afford.

So unless you really need it and can control, my advise is always to stay away. I've seen too many cases of relatives and friends working their ass off just to repay their cards which I used to be one of them many years ago So I know what I'm talking about.

Btw, you can always gets a hire purchase loan for superbike purchase which IMO is cheaper than personal loan.

Guess once you've canceled your CC, if you paid full payment; then moving forward it would be taken out of CCRIS reporting.
Anyway, to answer your previous question on how is your chances in applying; I personally think it's quite ok if you pay on time every month for your current CC and your balance over the limit is not overly high i.e. not over 80% utilization.

I'm not sure about HP interest rate for bikes; but for cars, new cars is only around 3% to 4% if I remember correctly. Also since you're a government servant; wouldn't it be better you loan from the government? Should be much cheaper interest and longer repayment period.

hi guys,

say I have ccris/ctos record and apply for home loan with guarantor, what is the chances of getting it approved?

Another thing, I have cc which already closed but due RM550, will my name reflect in any CCRIS/CTOS? I made a full payment before close but the stupid auto debit still charge my card and the bank still allowed them. the moment I close my cc, the bank never tell me to cancel auto debit with merchant .. ...

I just applied Titanium cc by ocbc but declined, it might be the reason I guess. I dont mind but the really matter is I am in position of buying a house and need the loan .. that is the most concern ..