Your loan is rejected due to 1 reason.
You do not have a CCRIS record.
Means when you DO NOT have a credit card, banks cannot see your past transactions.
Thus they cannot assess your financial cash flow "authenticity".

Get any banker from mobile sales team.
Depends on how banker write recommendation.

Full flexi or Semi Flexi?

Really depends on how well & how often you use these facilities.

Full Flexi Difference
=============

They give you:
0. Current account
1. ATM card
2. Cheque book
3. Bank statement end of the month (how much you bank in & how much you saved)

For all that,
bank charge you rm10/month

Thus begs this question: Do you use deposit $$$ into flexi account every month?
Some of my clients apply full flexi and paid rm10/month for years, yet they do not use this facility.
Yes, people who use semi-flexi might argue you have to notify bank 7 days in advance and queue to deposit.
And yeah you can avoid all that by paying 120/year.
But again really depends on how you use these facilities.