I’ve been point shopping for a few years. Where you sign up for a card to get points (Qantas and what not). Now as I’m planning to move into property I’m been told that this could affect credit rating. True? I have a friend who does it as well. And he has been approved for 4 properties on fairly average income. Apparently all you need is to explain the situation to the bank. But that was before current credit tightening round. Plus the free points are sooooo good. Should I stop it?