hi all
I know this is a very common question, but just to be sure and up-to-date,
do I have to include a credit card in the PoF?
what about the balance on the credit card? will the authorities sum up all numbers from savings accounts, term deposits, ... etc (or whatever I present as PoF) to identify if I meet the funds limit?
Problem is, I am an bank auditor and cannot stop thinking as such. In other words, that's what I would do if I was them


What I read in other threads goes against my training and experience and it feels odd
thank you