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@phanzu Thanks - not concerned about not getting approved for a loan but more so the potential reduced borrowing power? Do you think it’d be material?

I keep receiving credit card cash back offers (e.g. spend $x in y days and get $z credited back) and have already churned from one CC to another (CBA) 2 months ago to take advantage of their offer. Now I’ve received another one from ING that offers $200 cash back however I’m not sure of the...