Same fate with u. I had been rejected once due to unclear thumbprint. Staff in CIMB and FSM had checked the docs, thought no problem on the thumbprint, but been rejected by EPF...
Not that easy to get out EPF money nowadays.

edit : So, if u go to EPF office and make ur thumbprint there, also not guarantee it wont be rejected. Because the staff that get ur thumbprint and the person to approve ur withdrawal may not be the same person. 
U missed out the easiest way:
5) eUT : Intra Switching is free of sales charges. Inter switching during promotion (>5K 0% sale charge promotion) is also free.

About the sales charge when buying UT,
If u know the actual meaning of "Intra Switching in eUT is free of sales charges", then u can buy most of the equity fund available in euT at 0% sales charge all the time.
I won;t like to be too exposed. Think urself.
In FSM, switching from lower tier to higher tier is subjected to sales charge. But, for switching in same fund house, you can waived the sales charge with credit.
The golden rules to gather and accumulate the credit is:
- never sell/switch ur equity fund to ur bank account/ CMF/ other Fund House directly, always switch it to bond fund in the same fund house for credit first.

cheers and happy CNY.