Credit Card really create problem? Maybe yes, maybe not… Background Story: reference to SinChiewJitPoh Bank Negara (National Bank) would like to tighten the T&C for Credit card application. Previously if your monthly income same or higher than RM1,500, annum is RM18,000, now changed to monthly income same or higher than RM2,000 , annum is RM24,000. [...]