I guess it's either

1. Your commitment is already too high. Housing loan, car loan, etc?

Or

2. Your ccris is not clean.

My annual salary is much lower than yours, just slightly above 100k. I have 1 car loan, 1 housing loan, and four cards from Maybank, CIMB, Citibank and Public Bank before applying for this. But I have been paying all my debts before the due date, so my ccris is squeaky clean.

My application was approved last week.

Call Public Bank at 03-2176 8000. choose your language, then press 1 to know the status of your application. i applied three weeks ago. i guess they are a little slow on that front.

probably the three houses i guess, maybe public bank doesn't put much weigh on additional income like rent etc.

Don't think so. I applied three cards within the same period, CIMB Cashback Platinum, Citibank Choice & Public Visa Signature. All were approved.

30k