Mine is quite weird.

1) I own a EON Visa card with RM3K limit for the past 1.5 years
2) I don't have any other commitments
3) Just 2 weeks before I apply at Maybank, a sales person from Maybank called me and said that 'I am one of those selected to receive their credit card' but I rejected during that particular time.

So, I applied manually the next 2 weeks by going through one of their sales guy and surprisingly, my application got rejected! The reason? Even the sales guy got confused with the reason. It stated there 'Low Score'. He said the reason might be due to myself don't have many commitments. What the... It's like they were the one who offered at first and they are the one who rejected it. Oh and my gross per month is RM3.5K.