CCRIS is the most likely their 2nd step once your income requirement met.
DSR could be the last criteria.

Rejected credit facility application not limited to credit card only will be definitely listed in the CCRIS.

Main priority will be missed payment.
A lot of info can be seen from CCRIS. All approved and ongoing credit facility.

If rejected credit CC application doesn't show up, it could be meant that it hasn't updated to the database. Perhaps will be showed up in the next report.
They have cut-off date to update.

Bank will determine your DSR based on your income and totally monthly commitment using the questionnaire in the application form.
I'm not sure if total credit you have will affect their approval. Each bank has its own internal criteria.

The cut-off date is 15th of each month.
Your CCRIS information is updated on the 15th of every month e.g. information for Jan 2013 will only be updated on 15 Feb 2013. So if you have paid down your credit lines anytime from 1-31 Jan, time your loan application submissions on the 16th of Feb.

From: https://loanstreet.com.my/learning-centre/e...ing-about-ccris

This post has been edited by David83: May 28 2018, 04:21 PM

Sorry I'm not from banking industry.
Those are just my wild guess.
You have preliminary DSR based on questionaire and final DSR by taking assessment from from CCRIS.
Each bank has its own method of assessment.

This is what I hate about MBB.
Double standard!