Now already almost 1 year.

I believe that Bank Negara and CIMB Bank are currently imposing stricter regulations. I have never owned a credit card before, nor have I taken out car or housing loans. Currently, I have RM 80,000 fixed deposit in CIMB Bank.

The pledged fixed deposit is only RM 3,000, resulting in a credit limit of RM 3,000.

I am 32 years old. It's worth noting that many individuals under 35 declare bankruptcy due to unpaid credit card debts and high levels of debt in Malaysia.
My CIMB Cash Rebate Platinum credit card, which I applied for in May 2023, currently has a RM3000 fixed deposit pledged to it. If I decide to withdraw the fixed deposit, I must cancel the credit card.

Do you think my new normal credit card, which is not linked to a fixed deposit, will be approved?
I use the CIMB Cash Rebate Platinum Credit Card almost every month and pay it with 1 month.

I plan to apply for the CIMB PETRONAS Visa Platinum-i.



Can I use the Ctos score to determine rate of success ?
CIMB PETRONAS Visa Infinite-i
Complimentary 4X Airport Lounge Access per calendar year⁴

Wait in comfort and style at Plaza Premium Lounge. Just present your:

CIMB PETRONAS Visa Infinite-i Credit Card
Passport or NRIC; and
Boarding Pass

Why is that so? Cause need to lock up FD?
Thanks. Will check this out too. Am bank is a friendly bank, I like working with them.