Used to do cards a bit in my past life.  A bit rusty - but take this with a +/- 10% deviation.

1.  From the bank's perspective - 50% of your utilization every month is considered fairly good.  The average industry utilization rate is approx 30%.  This means you spend more than the industry from a utilization of credit limit perspective. 

2.  If you pay more than 40% every month - loosely speaking - you revolve on about 10% of your balances.  Banks would still classify you as a Transactor (TR).  the three other classes are Occasional Revolver (OR), Mid revolver (MR) and High Revolver (HR).  TR's pay in full or 90%.  Conversely, HR's revolve on 90% of their spending.  Again - from a very simplistic manner - banks prefer non delinquent MR and HR customers - as they contribute more to the bank's bottomline.

3.  For card upgrades - some banks do so automatically, using their scoring standards.  Having said that, they also do take into account your spending and repayment patters.  For your case - since u are the one that's initiating an upgrade - the bank will normally request for more information. e.g. payslip (if your pay has increased) or another card with a higher credit limit (to bank derive your income).

Thanks for your explanation

Just would like to clarify how does the spending method of High Revolver ? For Transactor, it mean that I carry forward balance each month right ? So which type of classes do you think bank prefer more ?

And does my spending places contribute to card upgrade or CL ? Like I always purchase thing in XXX, always use cash withdrawal and etc etc

No - this doesn't necessarily show bad credit from the bank's perspective.  However, pls understand that u know best how to manage your own finances....Not my right to ask u to relook into your spending patterns etc.

Just to share my opinion SOLELY based on the bank's point of view.

1.  U don't have bad credit provided u pay the min 5% due each time - which u do considering u pay 50% of your debt consistently.

2.  Banks LOVE customers like you.  Who consistenly spend 4K every month (I'm not too sure what your CL is)....But assuming it's 10K - u spend 40% of your limit every month.  Everytime you spend 4K - the bank earns about RM 48 in Interchange Fees per month.  My friend - they get approx RM 576 per year from you, just from your spending ALONE. This does not even include Interest from your revolving balances.

3.  You revolve consistenly every month - assuming u have not been delinquent - the bank earns 15% on your outstanding.  Of course, the bank loves you.

4.  If u really need to increase your CL - just state that the facts above....should be a good basis for a review.  Unfortunately, the bank may be a Bit*h and ask for supporting docs.....

Touch&Go Centre at KL Sentral.

I topped up RM 200 last month.

Depends on the tripwire's of the banks.

Normally, there are 2 transactions which will "arouse" a bank's suspicion.

1.  Cash Advance - Please be very careful here.  A huge cash advance vs. your credit limit will normally indicate that u are of a higher risk profile.

2.  Consistently high utilization of your credit limit - normally consistent usage of at least 85% or more of your credit limit would indicate that u are quite a risky player.

3.  Point 3 is subjective.  For instance, some banks may have some "tripwires" in place for high-risk or fraudulent transactions....e.g. Overseas travel or bulk purchase of jewellery.  Don't think it will really affect your risk profile here though - just affects your convenience.