are you refering to me? 
hehe...
oh, but i think for banks like UOB, DBS and OCBC, if you have
deposit money in their account, they can trace how much you have,
and then determine if you can meet their "criteria" or not...thats
what i think so...
but anyway, carry too many cards also useless. In the end, use
mainly one of those cards. Right? 