To share with those who says "capacity to pay/settle everything" +"good payment record", some banks' credit card approval policy may not bother with such. Other banks, especially those that U had/have a mortgage or savings/FD with - much more flexible as they can literally "see" your finances.

eg.
Recently, Alliance Bank & BSN rejected my credit card application due to "too high exposure of credit cards' outstanding". FYI - i do have a high outstanding BUT these are all 0% balance transfer, easily covered and my CCRIS has no 1, 2 or 3 flags

Thus, payment track record / history (yup, i had accounts with Alliance & BSN before) +ability to payback may not outweigh other factors.

like that i cold storage liao.. i've >10 cards
dang.. no more freebies (free advert to RinggitPlus no, i'm not affiliated with them ) until i cancel some 

but on a serious note, it seems only some local banks are more "scared" and have NO processes to allow applicants to prove liquidity & net worth. When i applied for Alliance & BSN, i also applied for 1 other as well - no issues with that bigger bank, thus, looks like very different processes / criteria & flags
Looks very obvious to me that CCRIS is just the basic + the more elaborate or heavier weight of judgement is each banks' internal policies. Sorry bro/sis - i dont have the details of each bank's policies.