My application has been declined as well, after I called to Card Centre just now.

My M2C credit limit is 20k and according to CS this is the max limit that MBB trusts me can afford.

So what she advise is either 1) Convert M2C to Ikhwan or 2) Appeal by reducing M2C credit limit

Of course I will choose option 2. So now need to send email to mbbcardservices@maybank.com.my. Will take 7 days to know the result.