should probably do in the reverse way
apply BT and resulting in credit balance in CC, then apply advance
NOTE: I have not tried if it is workable though

not sure y u need to ask for refund
when your cc a/c received BT ('cash deposit'payment'), your available credit limit increases too
then could get higher Ezycash amount due to the increased limit

not sure y u listed the card features as we are aware of those
whereas left out the crucial information of estimated spending in respective categories
e.g. assuming that biggest spend insurance around RM 1k, remains RM 3-4k other spendings, how would HSBC live+ be attractive?

could probably still keep affin duo for
Online Txn , Auto Bill and Insurance
might consider alliance visa signature for the rest
need to ensure that the statement balance of both cards are RM 3,000 or above though

i believe the credit system keeps track of whether you have no late payment "0" or late by 1 month "1" etc instead of how quickly you pay off debt
however, paying off before the records updated to the credit system would result in lower outstanding amount, which may keep credit utilisation rate low
still, high credit limit would affect your debt service ratio

when we say 0%, we refer to totally free campaigns: MBB Affin
do you have more than one savings account?
just park all BT repayment in one account, schedule transfer & u r good

should refer to the product disclosure sheet e.g. MBI
but you misunderstood several concepts

1. if u fail to pay, the management fee (interest) will be charged from the date of transaction instead of statement date
so, if u spend on the 1st of month 1, would have incurred RM 150 in month 1
outstanding on end of month 1 = RM 10,150

2. compounding charges refer to 'interest on interest', meaning that the RM 150 interest you incurred in month 1 will not be charged interest in month 2
management fee for month 2 remains the same = RM 10,000 x 1.5% (if conventional compounding --> RM 10,150 x 1.5% = RM 152.25)
month 2 outstanding:
islamic = RM 10,300; conventional = RM 10,302.25

while i m using UOB One and agree with the benefits
but do the math first maybe...
RM 60 x 12 - RM 98 - RM 25 = RM 597
RM 597 / RM 6,000 = 9.95%
lower but probably still the highest in the market

yeah, my bad
should be 9k

this should not be a problem as you already have approved credit limit on both conventional and islamic account, there's exception but i can't remember which bank/card

do u need for big ticket item or 0% flexipay, cash advance, balance transfer, etc?
otherwise, i would pick card benefits (cashback/point/miles) over credit limit
chronologically, my credit limit was MBB (1) --> UOB (5) --> PBB (3) --> Affin (4) --> OCBC (2), 1 being lowest; 5 being highest

not exactly, the premium is based on 'outstanding credit card statement balance'
therefore, u could pay all outstanding balance prior to the statement date
which will result in Nil premium cost and yet be covered under the scheme

not attractive for me since spending within my means
secondly, i prefer 20-day interest free period

possible for MBB

possible to support rental income with form B/BE
previous post suggested that some banks are willing to accept SG salary but you have to find out yourself
FD pledging is possible but by definition that would be credit card secured by FD
cash rebate depends on your spending category and amount

the bank you applied for has more effect than your income bracket

local bank i think Affin appears to be granting more limit that Public; Maybank would probably grant the lowest
UOB granted about 6x of my salary about 6 years ago, unfortunately, they do not issue islamic cc here
for EPP, u might need to check the banking partner as some may offer up to 36 months interest-free

i also find it interesting that the customer service had provided a suggested solution to your enquiry and yet u r here
since they had informed u regarding the reason of rejection and proposed solution, might as well give it a try

every bank has its own assessment criteria
i agree that the credit limit granted from UOB is way too high

not what's written in the t&c

then again, they didn't charge you sst on inactivated card so the t&c could be wrong too