my upgrade appeal has been rejected again
         

btw, apply again hsbc got rejected but complaint bnm and suddenly got approved
 

Family members la.

For petrol if I pump myself.

Other groceries stuff, I still have HLB Wise.

If for groceries, I don't see why can't hit rm50 X10 every month. Buying Milo 2KG + 200G softpack already rm31-32, buy 2 cartons already half done.
Now my house still got 6 cartons which bought at rm31(sure with cash back cards) and I'm selling it for rm31.50 each to coffee shops. This month will be stock piling sugar.
When your application fails, you need to know under what reason, is your DSR too high? My income only rm4000 now but credit card spending rm2819.

no need to be a milo drinker because he suggested you to become a milo trader instead. 

Haha tu la. MBB is so stringent with me. Credit limit with m2c only 1.2 times salary. I think the possible reason might be because I have too many cc. Cards from 4 banks, combined limit about 90k. I paid on time for all of them. So not because of unpaid debts.  I had started to reduce most of the limits to 1k only. Wait for a few months, then reapply.