just enquiry for mate

[cafjay]

hlo there I m just askining behalf of my frenin .actualy he want to apply
smc.but he had bad credit.i means his name In baycop.he overdraw some
amount from credit card and never fill up again.so bank transfer his account
to baycop.now he paying Installment. Is thats thing rly negative
impact of his file or thats not immigration matter ?
plz advise
thanks

[ChrisMwn]

not an immigration matter