Bank normally don't let you know the reasons for reject. you have to know your own credit status, like print your own CCRIS and CTOS. For CCRIS, if your house loan and car loan payment not frequent late payment, should be ok, for CTOS, you can register to print your own CTOS report, if CTOS is blank, then is ok, if CTOS shown some legal case pending, this will be one of the reason bank reject the application, different bank have their own credit assessment, your income and commitment will be one of the factor during their assessment.

You may try others bank, or you can put a FD of said 10-20k in that bank as collateral for CC application. bank normally will consider unless you have really bad ccris report. CCRIS report shown last 12 months of your payment habits.

just my 2 cents

If not many "1" should be still  fine.

Did you check your CTOS? do you have any legal action taken by bank for outstanding? like CC issue? if there is any legal action capture by CTOS even you had clear the debt outstanding already, you require to send supporting documents like release letter to CTOS for updating your record accordingly, CTOS will not delete the records in your report (if any), they will only update in "Remark" column. Base on new CCRA act, this records will only be delete after 24 months after you had settled the outstanding.

Anywhere, how long already your car loan and house loan? more than 12 months?

Bank will see the remark in the report, they have their internal assessment format, CTOS report is not the only assessment factor for approving the loan, they will see your income prove especially, If your income high enough with not much commitment or others outstanding loan in hand, the chances for them to approve the loan still high.

Good Luck

CTOS normally won't automatically update/delete the records, not sure whether they had improve their service level now or not (I think they are not so efficient now).
Better monitor the report yourself (check once/twice a year) and provide the support to them to do the necessary update or DELETE the record. Don't worry, they will do so after verify the detail, this is my experience.

By the way, when I do self check in Aug'14 still free.

Other than CTOS, Another common credit reporting agency where local FI use is RAM Credit Information Sdn Bhd, Maybank use CTOS and RAM. Their function is the same by providing credit report to those FI and their are control by ministry of treasury under the CCRA 2010 act. You can register with RAM for free to have self check report.

Please check your CTOS account ...the system suspected corrupted or hacked by somebody....
My CTOS account name been changed to BENJAMIN YEW BIN ABDULLAH (A1592748) ... My card number same as my new IC no. .....

Call CTOS customer service .. they said system got some problems...still rectify process.....

Dangerous !!!!!!!