FYI, maybank CC very easier to apply and get approved...last time i tried apply citibank twice, HSBC as my 1st CC but failed even my salary is over RM1,500....but when i go to apply maybank CC, i get it within 3 weeks since it is preapproved as my salary went into maybank saving acc...Finally, get my visa wave...

you can try for second time n c or better check with Bank Negara whether u have clean record or not..cos u mayb have some other loan unpaid like study loan, or any bss loan..