Please read the matter in the links below and form your own opinion and defence

Banks not allowed to take cheques as a ‘guarantee’
at
http://www.gulf-times.com/site/topics/article.asp?cu_no=2&item_no=428155...

Credit cards for salary account-holders only
http://www.gulf-times.com/site/topics/article.asp?cu_no=2&item_no=428025...