I received a letter from Maybank, my credit card issuer, to update them on my income, because I have a credit card account with them. This is to comply with the new Bank Negara guideline for credit card members who learn RM36,000 per annum or less. 

They are as follow: 

1) Card member can only hold credit cards from maximum two issuers from 1st Jan, 2013,
2) Maximum credit card limit shall be two times of monthly income per issuer, and 

3) Any amount in excess of the maximum credit limit need to be settled within two years. 

If you haven't done so, you are required to do so before 30th Sept, 2012.