http://www.bnm.gov.my/index.php?ch=8&pg=14&ac=2226

out liao
minimum income annual is 24k
    * The minimum income eligibility for new credit card holders is set at RM24,000 per annum;
    * For cardholders earning RM36,000 per annum and less, the following would be applicable:
          o Cardholders can only hold credit cards from a maximum of two issuers.
                + Existing cardholders who currently hold credit cards from more than two issuers are given up to the end of 2011 to select their preferred issuers. Cardholders will also be given at least two years to service their outstanding credit card debt for the credit cards that have been cancelled for the purpose of meeting this requirement.
          o The maximum credit limit extended to a cardholder shall not exceed two times their monthly income per issuer.
                + For existing cardholders, whose credit card outstanding balance exceeds the maximum credit limit, a grace period of two years will be given to them to meet with the new requirement.

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Added on March 18, 2011, 12:18 pmmeans cc issuers will now be dealing with 'higher quality' customers