I've been trying to apply for some new credit cards, especially the Maybank 2 Platinum Cards, but I've been rejected by all the banks I've applied to so far.

I have 3 credit cards (UOB One Card, HLB Wise, Aeon Credit Card) with total credit limit of RM34,000.

I have 2 joint housing loans, with my portion being RM425,000 and a car loan of RM25,000.

With a monthly income of RM10k, I am not eligible for new cards?

After being rejected, how soon can I apply for new cards again? I'm interested in trying what GenX is recommending in his blog, but not a single bank has approved my new card applications.