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.

when applying housing loan, bank will check the CCRIS to determine the credit risk factor. if you CCRIS is clean (you do not have credit card or loan), they can't access to your Payment Pattern. thus, risk is higher. so, they might reject your loan. anyway, loan can be secure by putting in a Guarantor. provided the Guarantor has good payment record.

i'm not sure what you mean by "bank cant access the credit card record when they want to assess the loan application". but from my understanding, they can't see your transaction. but they should be able to see your Amount transacted for the month, how much u re-pay back and did you pay late or prompt. if i have 10K transaction per month, but i settle 10K on time, risk is low. but if you transact 10K, but repay min such as 1K, then ur risk ratio is higher.

some bank (if i recall correctly, CIMB) do evaluate based 5% of the TOTAL Credit Limit assigned to you for all / Combined credit card into consideration. e.g, if u have 3 CC and each of it has 5K limit. they will take 5% out of 3x5K = 15K as ur commitment as well. in this case, RM 750. i'm not sure how true is this cos i remember CIMB told me this last year when i apply loan with them. OCBC, i don't think they have such problem.

yup. that also my first time hearing that. i don't know whether the officer bluff me or not. but that is based on her explanation. the 750 will be add into your commitment. thus reducing ur loan ratio.