FYI , having multiple lines of credit also affects how likely they are gonna increase the CL and the magnitude of the increase , they do not just look at your income and go : " yeah lets x3 your income as your CL" .

I have a housing loan , car h/p , 5 cc credit lines , and maybank absolutely refused to increase my CL beyond my current 10k .

Current path of action for me is to pay down my loans and get bigger salary increments before trying again .