Aiya... No need reform anything,
just follow my tips and your credit card application will have the highest approve rates:

1.) Please make sure that you get to know your personal credit details - CCRIS, CTOS, RAMCI
2.) Please make sure that you have met the credit card requirement such as minimum income and etc
3.) Please make sure that your employer pays your EPF promptly without failed a single month
4.) Please make sure that you do not submit multiple cc application from different banks at once
5.) Always apply your credit card through roadshows, fair at shopping mall

But always remember that "Cash is King", credit card can brings you bankruptcy if you don't have discipline to manage your credit card such as debts, payments.

Credit Score Check:
eCCris - https://eccris.bnm.gov.my/eccris/pages/sec/login.xhtml#! - free
CTOS - https://ctoscredit.com.my/ - around RM25 per report
RAMCI - https://www.mycreditinfo.com.my/ - free for 1st time using imoney portal
+
EPF - https://secure.kwsp.gov.my/member/member/login

https://pictr.com/images/2020/02/13/5eb95f.md.png