maybe, just maybe (my personal opinion), Maybank tend to approve for those who have outstanding balance, for example as B below?
u see, bank normally gain profit via interest, therefore:

a. People using CC with clean record, enjoy benefit without any late payment - no profit to bank
b. People using CC with average record, enjoy benefit but sometimes paying minimum and sometimes full - good for bank. they can rolling more on interest with this secured customer
c. People using CC with bad record, enjoy benefit but so much miss payment - bad customer. no point of charging interest when no payment is made.