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Applied for a First Credit Card

Hi All,

I didnt have any Credit cards  or applied for any loans till now. I have applied for the Fresh citibank Credit card. 

But it got rejected due to cibil enquiry,they are saying that they got a bad feedback as i didnt maintain liability.

Iam having a salary Debit card saving account in  ICICI.How cibil gives that feedback as i dont have any credit card or loans?? 

Please suggest me what action should I need to take for clearing my name from negative list of CIBIL Report?

So please please advice….it will really be helpful.

Thank You.

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