I have simar problem applying cc from rhb
Just a basic card, min 24k
But still needed to pledge with FD.
Kinda weird tho, as my business current account is with them
I would say good record, never bounce cheque, well above min required balance, in and out money without any suspicious transaction.
Also saving account and placing promotional FD with them.
Still need to pledge with FD with simple CC
Lol..

Funny thing,
Tried to reapply without pledging FD after few years, fail few times
Tried with PB without pledging FD, bang, got it. and it's the first time trying.