Gosh, why is it so hard to apply for a credit card right now....

just listened to my friend to went and apply for maybank's cc today. need this document , that document. pity him rushing here and there ended up worthless...

payment slip, (worthless to him, cuz not legitimate company)
KWSP, even if u work as hard as a cow but if you dont have an active KWSP account also cannot apply.

then i was wondering....if the particular person dont work anymore....and have alot of money to spend but dont want to carry out so many cash with him.

my situation is more worse than the one that i mention about above. anyone out there have solution to this matter?