the website stated RM120k..i just checked...
should i follow website or form?

Is not the credit limit or any debt issue, is the officer issue. He doesn't even want to submit my application. All that he say is I'm holding too many credit cards, so he doesn't want to submit.
If my application is submitted for processing, then rejected, credit limit issue or debt issue, I'll accept it, because I seriously did have a lot of credit cards and approval is based on bank's decision, the thing here is that d*mn bank officer doesn't want to submit it.
I've called AMbank previously, they say that the only way to submit application is via bank branch not email or fax. No choice.

*I do not have any debt issue, I've never late on my credit card payment.

you would have received a letter with the card saying your card is pin and pay ready.
and request that you change your PIN right away.