You mean each CC cannot exceed 80% of total credit limit (as i have multiple CC and few of them utilised the balance transfer 0% before which should have exceed  )

CC utilisation because mostly balance transfer 0% those 
Bank Harimau initially give me 15k when i started working that time already where my salary was 1.5k / month.

After another year later i bought my first house where as afterward whenever i request increase CCL, never approved.

But other banks just keep sending me msg and instantly approved, lolz ...