David Silva during his unveiling as a Real Sociedad player on Monday. Hours later, the Spanish club would announce he had tested positive for Covid-19
David Silva during his unveiling as a Real Sociedad player on Monday. Hours later, the Spanish club would announce he had tested positive for Covid-19
David Silva during his unveiling as a Real Sociedad player on Monday. Hours later, the Spanish club would announce he had tested positive for Covid-19
David Silva during his unveiling as a Real Sociedad player on Monday. Hours later, the Spanish club would announce he had tested positive for Covid-19

Former Manchester City midfielder David Silva tests positive for coronavirus on first day as Real Sociedad player


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Former Manchester City midfielder David Silva has tested positive for coronavirus on the day he was unveiled at new club Real Sociedad.

The 34-year-old joined Sociedad on a free transfer earlier this month but returned a positive Covid-19 test after arriving at San Sebastian.

The La Liga club said it was Silva's second test within 72 hours since landing in Spain, having previously tested negative.

Sociedad's new boy had been unveiled by the club only hours before the announcement.

The Spaniard, a former World Cup and European Championship winner, left Man City at the end of his contract before signing a two-year deal with Sociedad.

He is self-isolating and is displaying no symptoms, the club said.

Silva's new teammate Mikel Oyarzabal has also contracted the virus and was replaced in Luis Enrique's Spain squad by Villarreal forward Gerard Moreno.

Spain face Germany in their Nations League opener in Stuttgart on Thursday, before hosting Ukraine three days later.

The 2020/21 La Liga campaign gets underway on September 12.

Earlier in the day, Silva had been talking about targeting more silverware after returning to Spain.

David Silva at his unveiling as a Real Sociedad player. EPA
David Silva at his unveiling as a Real Sociedad player. EPA

After a trophy-laden 10-year stay at City, he told a press conference that he was in no mood to ease himself quietly towards retirement.

He said: "The team is playing some great football and I hope to add to that here and have some great years at the club.

"I have high expectations in terms of the football we'll be playing and I think we can compete for silverware.

"I've been lucky enough to win a lot of things in my career. I'm very competitive and I'm going to try and do the same here because that's why I've been brought in."

Silva, for so long a part of City's as yet unrequited quest for Champions League glory, will play in the Europa League next season courtesy of Sociedad's sixth-placed finish in La Liga, and that is a prospect he is relishing.

He said: "Of course, after so many years of playing in Europe, you want to continue doing that. I also came because I like the style of football the team plays."

__________________________________________________

Manchester City 2019/20 ratings

  • MANAGER: Pep Guardiola - 7: City have been thrilling to watch at times, particularly at home, but have also found ways to lose games they should have won. Hard to think of a trophy winning season as a failure, but such are the standards set by Guardiola that it seems like that after the defeat in Lisbon. Long-term injuries to Aymeric Laporte, Sergio Aguero and Leroy Sane, before he was sold, didn’t help the cause, nor did Mikel Arteta’s departure for Arsenal in December. Plenty to think about over the break, but it would be a surprise if City weren’t stronger next season. AFP
    MANAGER: Pep Guardiola - 7: City have been thrilling to watch at times, particularly at home, but have also found ways to lose games they should have won. Hard to think of a trophy winning season as a failure, but such are the standards set by Guardiola that it seems like that after the defeat in Lisbon. Long-term injuries to Aymeric Laporte, Sergio Aguero and Leroy Sane, before he was sold, didn’t help the cause, nor did Mikel Arteta’s departure for Arsenal in December. Plenty to think about over the break, but it would be a surprise if City weren’t stronger next season. AFP
  • GOALKEEPERS: Ederson - 7: Do any two statistics sum up City’s season so thoroughly as Ederson winning the Golden Glove for keeping 16 clean sheets in 35 Premier League appearances in a campaign when the club also conceded 35 league goals and lost nine league games? Ederson is the most complete goalkeeper in the Premier League and yet was prone to error too often this term. AP
    GOALKEEPERS: Ederson - 7: Do any two statistics sum up City’s season so thoroughly as Ederson winning the Golden Glove for keeping 16 clean sheets in 35 Premier League appearances in a campaign when the club also conceded 35 league goals and lost nine league games? Ederson is the most complete goalkeeper in the Premier League and yet was prone to error too often this term. AP
  • Claudio Bravo - 6: Sent off against Atalanta in the Champions League after only coming on at half-time for the injured Ederson, his calamitous appearance in Italy seemed to sum up his time at City. Nevertheless, he collected winners’ medals in the Carabao Cup and the Community Shield, memorably saving one of Liverpool’s penalties in a man-of-the-match winning performance. Getty
    Claudio Bravo - 6: Sent off against Atalanta in the Champions League after only coming on at half-time for the injured Ederson, his calamitous appearance in Italy seemed to sum up his time at City. Nevertheless, he collected winners’ medals in the Carabao Cup and the Community Shield, memorably saving one of Liverpool’s penalties in a man-of-the-match winning performance. Getty
  • DEFENDERS: Aymeric Laporte - 7: His early season injury exposed City’s frailties at the back. His recovery has helped shore up City’s defence, although he was shaky in an unfamiliar set-up in the Champions League quarter-final. Restricted to less than 20 appearances this season. AP
    DEFENDERS: Aymeric Laporte - 7: His early season injury exposed City’s frailties at the back. His recovery has helped shore up City’s defence, although he was shaky in an unfamiliar set-up in the Champions League quarter-final. Restricted to less than 20 appearances this season. AP
  • Kyle Walker - 7: He has been excellent on many occasions, particularly since restart, even if he was far from his best in City’s Champions League exit. Also went in goal after Claudio Bravo’s sending off in Italy against Atalanta and, memorably, kept a clean sheet. PA
    Kyle Walker - 7: He has been excellent on many occasions, particularly since restart, even if he was far from his best in City’s Champions League exit. Also went in goal after Claudio Bravo’s sending off in Italy against Atalanta and, memorably, kept a clean sheet. PA
  • Eric Garcia - 7: A breakthrough performer this summer despite being knocked unconscious against Arsenal, Garcia looked to be the answer to the persistent questions over City’s defensive issues. The news that he is likely to return to Spain soon clouds further judgement of him. EPA
    Eric Garcia - 7: A breakthrough performer this summer despite being knocked unconscious against Arsenal, Garcia looked to be the answer to the persistent questions over City’s defensive issues. The news that he is likely to return to Spain soon clouds further judgement of him. EPA
  • Benjamin Mendy - 6: Has appeared more for City this season than in his two previous injury hit campaigns combined. Mendy has been both frustrating - his bad error at Chelsea let in Christian Pulisic - and thoroughly competent. His long-term rehabilitation from serious injury continues. Getty
    Benjamin Mendy - 6: Has appeared more for City this season than in his two previous injury hit campaigns combined. Mendy has been both frustrating - his bad error at Chelsea let in Christian Pulisic - and thoroughly competent. His long-term rehabilitation from serious injury continues. Getty
  • John Stones - 5: Another tough season for the centre-back, who has struggled with injury and form. Despite rumours he may be shipped out this summer, he has vowed to fight for his place. AFP
    John Stones - 5: Another tough season for the centre-back, who has struggled with injury and form. Despite rumours he may be shipped out this summer, he has vowed to fight for his place. AFP
  • Nicolas Otamendi - 5: Too error prone these days, but still capable of delivering a good performance on occasions. It would be a surprise if he is still at the club when the transfer window closes later this year. Getty
    Nicolas Otamendi - 5: Too error prone these days, but still capable of delivering a good performance on occasions. It would be a surprise if he is still at the club when the transfer window closes later this year. Getty
  • Angelino - 5: Endured a torrid time in the league defeat at Anfield, although he was hardly alone in that, and was subsequently loaned out to RB Leipzig in January, where he is still in the hunt for a Champions League winners’ medal. AFP
    Angelino - 5: Endured a torrid time in the league defeat at Anfield, although he was hardly alone in that, and was subsequently loaned out to RB Leipzig in January, where he is still in the hunt for a Champions League winners’ medal. AFP
  • Oleksandr Zinchenko - 5: Arguably made his biggest statement this season while away on international duty by celebrating wildly after helping Ukraine qualify for the European Championship and then proposing to his TV presenter girlfriend Vlada Sedan hours later. Often asked to fill in as a utility player for City, which makes him hard to judge, but was clearly at fault when caught in possession in the defeat at Southampton.
    Oleksandr Zinchenko - 5: Arguably made his biggest statement this season while away on international duty by celebrating wildly after helping Ukraine qualify for the European Championship and then proposing to his TV presenter girlfriend Vlada Sedan hours later. Often asked to fill in as a utility player for City, which makes him hard to judge, but was clearly at fault when caught in possession in the defeat at Southampton.
  • Fernandinho - 7: Hard to criticise too much when asked to fill in at centre back after Laporte’s injury, but has looked out of sorts on some of the big occasions, notably in away defeats at Chelsea and Liverpool. Moving him into defence arguably took more away from the midfield than it added to the back line. Even so, he was often the side’s best-performing defender. PA
    Fernandinho - 7: Hard to criticise too much when asked to fill in at centre back after Laporte’s injury, but has looked out of sorts on some of the big occasions, notably in away defeats at Chelsea and Liverpool. Moving him into defence arguably took more away from the midfield than it added to the back line. Even so, he was often the side’s best-performing defender. PA
  • MIDFIELDERS: Ilkay Gundogan - 7: Often trusted by Pep Guardiola in the biggest games, Gundogan is a shadow player by nature, breaking up an opposition attack or providing a short pass to an attacking teammate, while others in the team provide the stardust. Occasionally wasteful in front of goal. PA
    MIDFIELDERS: Ilkay Gundogan - 7: Often trusted by Pep Guardiola in the biggest games, Gundogan is a shadow player by nature, breaking up an opposition attack or providing a short pass to an attacking teammate, while others in the team provide the stardust. Occasionally wasteful in front of goal. PA
  • Phil Foden - 8: Capped off an outstanding season with a string of fine performances since restart after a man-of-the-match winning appearance in the Carabao Cup final. Close to 40 appearances in all competitions underlines how much he has progressed this term. Reuters
    Phil Foden - 8: Capped off an outstanding season with a string of fine performances since restart after a man-of-the-match winning appearance in the Carabao Cup final. Close to 40 appearances in all competitions underlines how much he has progressed this term. Reuters
  • Rodri - 7: Took his time to settle in, but has looked increasingly comfortable. Claimed a Premier League passing record in February, completing a staggering 178 passes against West Ham. He has the potential to be a key player in the side for years to come. EPA
    Rodri - 7: Took his time to settle in, but has looked increasingly comfortable. Claimed a Premier League passing record in February, completing a staggering 178 passes against West Ham. He has the potential to be a key player in the side for years to come. EPA
  • Kevin de Bruyne - 9: The best player in the Premier League was often close to perfection this year. Scored a brilliant free-kick against Chelsea after restart and a superb volley against Newcastle last November, both could easily have been goals of the season. He also equalled the Premier League record for most assists in a season with 20, but was strangely quiet in the FA Cup semi-final defeat against Arsenal and not at his best in the Champions League exit against Lyon. PA
    Kevin de Bruyne - 9: The best player in the Premier League was often close to perfection this year. Scored a brilliant free-kick against Chelsea after restart and a superb volley against Newcastle last November, both could easily have been goals of the season. He also equalled the Premier League record for most assists in a season with 20, but was strangely quiet in the FA Cup semi-final defeat against Arsenal and not at his best in the Champions League exit against Lyon. PA
  • Bernardo Silva - 5: Hugely influential in the two previous title-winning seasons, his form dipped after scoring three times in an 8-0 victory over Watford in September and posting a tweet about one of his team-mates for which he was rightly fined, suspended and reprimanded. Getty
    Bernardo Silva - 5: Hugely influential in the two previous title-winning seasons, his form dipped after scoring three times in an 8-0 victory over Watford in September and posting a tweet about one of his team-mates for which he was rightly fined, suspended and reprimanded. Getty
  • David Silva - 7: Has been at his best on several occasions since restart and made an emotional final appearance in the Premier League in City’s 5-0 drubbing of Norwich City. His ten-year stint has been transformational at the club, even if European glory ultimately proved elusive. AP
    David Silva - 7: Has been at his best on several occasions since restart and made an emotional final appearance in the Premier League in City’s 5-0 drubbing of Norwich City. His ten-year stint has been transformational at the club, even if European glory ultimately proved elusive. AP
  • Joao Cancelo - 6: Has belatedly begun to show the kind of form that persuaded Pep Guardiola to spend big money on him last summer. Will need to develop further next season if City are to reclaim the title. PA
    Joao Cancelo - 6: Has belatedly begun to show the kind of form that persuaded Pep Guardiola to spend big money on him last summer. Will need to develop further next season if City are to reclaim the title. PA
  • Riyad Mahrez - 8: After taking his time to settle into the side in last season’s treble winning season, Mahrez has been one of City’s most consistent performers this year. Scored a stunning solo effort against Villa in January on his way to 13 goals in all competitions. He will feel he should have started against Lyon. Getty
    Riyad Mahrez - 8: After taking his time to settle into the side in last season’s treble winning season, Mahrez has been one of City’s most consistent performers this year. Scored a stunning solo effort against Villa in January on his way to 13 goals in all competitions. He will feel he should have started against Lyon. Getty
  • ATTACKERS: Raheem Sterling - 8.5: Another stellar season for Sterling, despite his late miss in the Champions League against Lyon. He has been prolific since restart and was superb in the first half of the season when he bagged hat-tricks in both the Premier League and the Champions League, even if the goals dried up for a time early in 2020. Eventually scored 31 goals in all competitions. AP
    ATTACKERS: Raheem Sterling - 8.5: Another stellar season for Sterling, despite his late miss in the Champions League against Lyon. He has been prolific since restart and was superb in the first half of the season when he bagged hat-tricks in both the Premier League and the Champions League, even if the goals dried up for a time early in 2020. Eventually scored 31 goals in all competitions. AP
  • Gabriel Jesus - 7: Divides opinions, but was electric against Real Madrid in the Bernabeu and in the return match at the Etihad. Suffers a little through having to deputise for Aguero, but still managed to score more than 20 goals in all competitions. His time may finally be arriving at the Etihad. EPA
    Gabriel Jesus - 7: Divides opinions, but was electric against Real Madrid in the Bernabeu and in the return match at the Etihad. Suffers a little through having to deputise for Aguero, but still managed to score more than 20 goals in all competitions. His time may finally be arriving at the Etihad. EPA
  • Sergio Aguero - 7: The club’s record goalscorer was in devastating form when available, but an injury hit season restricted him to just 32 appearances in all competitions, his lowest in his nine years at the Etihad. PA
    Sergio Aguero - 7: The club’s record goalscorer was in devastating form when available, but an injury hit season restricted him to just 32 appearances in all competitions, his lowest in his nine years at the Etihad. PA
Biography

Favourite book: Zen and the Art of Motorcycle Maintenance

Holiday choice: Anything Disney-related

Proudest achievement: Receiving a presidential award for foreign services.

Family: Wife and three children.

Like motto: You always get what you ask for, the universe listens.

What the law says

Micro-retirement is not a recognised concept or employment status under Federal Decree Law No. 33 of 2021 on the Regulation of Labour Relations (as amended) (UAE Labour Law). As such, it reflects a voluntary work-life balance practice, rather than a recognised legal employment category, according to Dilini Loku, senior associate for law firm Gateley Middle East.

“Some companies may offer formal sabbatical policies or career break programmes; however, beyond such arrangements, there is no automatic right or statutory entitlement to extended breaks,” she explains.

“Any leave taken beyond statutory entitlements, such as annual leave, is typically regarded as unpaid leave in accordance with Article 33 of the UAE Labour Law. While employees may legally take unpaid leave, such requests are subject to the employer’s discretion and require approval.”

If an employee resigns to pursue micro-retirement, the employment contract is terminated, and the employer is under no legal obligation to rehire the employee in the future unless specific contractual agreements are in place (such as return-to-work arrangements), which are generally uncommon, Ms Loku adds.

ASIAN%20RUGBY%20CHAMPIONSHIP%202024
%3Cp%3E%3Cstrong%3EResults%3C%2Fstrong%3E%3Cbr%3EHong%20Kong%2052-5%20UAE%3Cbr%3ESouth%20Korea%2055-5%20Malaysia%3Cbr%3EMalaysia%206-70%20Hong%20Kong%3Cbr%3EUAE%2036-32%20South%20Korea%3Cbr%3E%3Cbr%3E%3Cstrong%3EFixtures%3C%2Fstrong%3E%3Cbr%3EFriday%2C%20June%2021%2C%207.30pm%20kick-off%3A%20UAE%20v%20Malaysia%3Cbr%3EAt%20The%20Sevens%2C%20Dubai%20(admission%20is%20free).%3Cbr%3ESaturday%3A%20Hong%20Kong%20v%20South%20Korea%3Cbr%3E%3C%2Fp%3E%0A
Key features of new policy

Pupils to learn coding and other vocational skills from Grade 6

Exams to test critical thinking and application of knowledge

A new National Assessment Centre, PARAKH (Performance, Assessment, Review and Analysis for Holistic Development) will form the standard for schools

Schools to implement online system to encouraging transparency and accountability

Company profile

Name: Thndr

Started: October 2020

Founders: Ahmad Hammouda and Seif Amr

Based: Cairo, Egypt

Sector: FinTech

Initial investment: pre-seed of $800,000

Funding stage: series A; $20 million

Investors: Tiger Global, Beco Capital, Prosus Ventures, Y Combinator, Global Ventures, Abdul Latif Jameel, Endure Capital, 4DX Ventures, Plus VC,  Rabacap and MSA Capital

Shubh Mangal Saavdhan
Directed by: RS Prasanna
Starring: Ayushmann Khurrana, Bhumi Pednekar

Ten tax points to be aware of in 2026

1. Domestic VAT refund amendments: request your refund within five years

If a business does not apply for the refund on time, they lose their credit.

2. E-invoicing in the UAE

Businesses should continue preparing for the implementation of e-invoicing in the UAE, with 2026 a preparation and transition period ahead of phased mandatory adoption. 

3. More tax audits

Tax authorities are increasingly using data already available across multiple filings to identify audit risks. 

4. More beneficial VAT and excise tax penalty regime

Tax disputes are expected to become more frequent and more structured, with clearer administrative objection and appeal processes. The UAE has adopted a new penalty regime for VAT and excise disputes, which now mirrors the penalty regime for corporate tax.

5. Greater emphasis on statutory audit

There is a greater need for the accuracy of financial statements. The International Financial Reporting Standards standards need to be strictly adhered to and, as a result, the quality of the audits will need to increase.

6. Further transfer pricing enforcement

Transfer pricing enforcement, which refers to the practice of establishing prices for internal transactions between related entities, is expected to broaden in scope. The UAE will shortly open the possibility to negotiate advance pricing agreements, or essentially rulings for transfer pricing purposes. 

7. Limited time periods for audits

Recent amendments also introduce a default five-year limitation period for tax audits and assessments, subject to specific statutory exceptions. While the standard audit and assessment period is five years, this may be extended to up to 15 years in cases involving fraud or tax evasion. 

8. Pillar 2 implementation 

Many multinational groups will begin to feel the practical effect of the Domestic Minimum Top-Up Tax (DMTT), the UAE's implementation of the OECD’s global minimum tax under Pillar 2. While the rules apply for financial years starting on or after January 1, 2025, it is 2026 that marks the transition to an operational phase.

9. Reduced compliance obligations for imported goods and services

Businesses that apply the reverse-charge mechanism for VAT purposes in the UAE may benefit from reduced compliance obligations. 

10. Substance and CbC reporting focus

Tax authorities are expected to continue strengthening the enforcement of economic substance and Country-by-Country (CbC) reporting frameworks. In the UAE, these regimes are increasingly being used as risk-assessment tools, providing tax authorities with a comprehensive view of multinational groups’ global footprints and enabling them to assess whether profits are aligned with real economic activity. 

Contributed by Thomas Vanhee and Hend Rashwan, Aurifer

What is dialysis?

Dialysis is a way of cleaning your blood when your kidneys fail and can no longer do the job.

It gets rid of your body's wastes, extra salt and water, and helps to control your blood pressure. The main cause of kidney failure is diabetes and hypertension.

There are two kinds of dialysis — haemodialysis and peritoneal.

In haemodialysis, blood is pumped out of your body to an artificial kidney machine that filter your blood and returns it to your body by tubes.

In peritoneal dialysis, the inside lining of your own belly acts as a natural filter. Wastes are taken out by means of a cleansing fluid which is washed in and out of your belly in cycles.

It isn’t an option for everyone but if eligible, can be done at home by the patient or caregiver. This, as opposed to home haemodialysis, is covered by insurance in the UAE.

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SPECS
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Citadel: Honey Bunny first episode

Directors: Raj & DK

Stars: Varun Dhawan, Samantha Ruth Prabhu, Kashvi Majmundar, Kay Kay Menon

Rating: 4/5

How to watch Ireland v Pakistan in UAE

When: The one-off Test starts on Friday, May 11
What time: Each day’s play is scheduled to start at 2pm UAE time.
TV: The match will be broadcast on OSN Sports Cricket HD. Subscribers to the channel can also stream the action live on OSN Play.

Key facilities
  • Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
  • Premier League-standard football pitch
  • 400m Olympic running track
  • NBA-spec basketball court with auditorium
  • 600-seat auditorium
  • Spaces for historical and cultural exploration
  • An elevated football field that doubles as a helipad
  • Specialist robotics and science laboratories
  • AR and VR-enabled learning centres
  • Disruption Lab and Research Centre for developing entrepreneurial skills
GAC GS8 Specs

Engine: 2.0-litre 4cyl turbo

Power: 248hp at 5,200rpm

Torque: 400Nm at 1,750-4,000rpm

Transmission: 8-speed auto

Fuel consumption: 9.1L/100km

On sale: Now

Price: From Dh149,900

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

Three ways to boost your credit score

Marwan Lutfi says the core fundamentals that drive better payment behaviour and can improve your credit score are:

1. Make sure you make your payments on time;

2. Limit the number of products you borrow on: the more loans and credit cards you have, the more it will affect your credit score;

3. Don't max out all your debts: how much you maximise those credit facilities will have an impact. If you have five credit cards and utilise 90 per cent of that credit, it will negatively affect your score.

THREE
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