The market is so competitive these days that banks are going out of their way to onboard new customers. You’re unlikely to get rejected unless one or more of the following occurs:
1. You have a poor credit history.
2. You have no credit history.
3. Your income stream isn’t steady. This includes employment in high risk sectors such as O&G etc.

Building a good credit history is easy. Pay your bills on time, and make as many payments as you can on your debit card instead of cash. For my first CC application, I submitted copies of my bank account and EPF statements.