@@happyboyhk A credit card can be canceled without harming your credit score; just remember that paying down credit card balances first (not just the one you're canceling) is key. Closing a charge card won't affect your credit history (history is a factor in your overall credit score). By the way TU stands for TransUnion it's a company that monitors your credit score.
Glad to see someone aware of the real estate regulations explaining to the general public. Makes me wonder why the government doesn't get involved and make an example out of these people already. It will certainly help promote the government's image among Hong Kong citizens. Makes me wonder what kind of people are actually behind these schemes.