Why my credit card applications are getting rejected even when I have never opted for any loan ?

POSTED BY prasad bhadrashete ON October 22, 2013 7:54 pm COMMENTS (2)

Hi Everybody…

I am in a bit strange situation… I wanted a credit card to use it in emergency case… I never had any kind of loan… ( home/personal/car etc )… on my name…. This is the reason credit card companies are not able to find my CIBIL score… and hence it was rejected….

I got rejection from two credit card banks so far.. so, if someone has never opted for any type of loan, he will not get credit card ????

( salary is no issue here, I am earning good )

Please share your views on this.

Thanks.

prasad

2 replies on this article “Why my credit card applications are getting rejected even when I have never opted for any loan ?”

  1. ashalanshu says:

    Dear Prasad, if you are so much interested in a CC, you can avail a secured CC against a FD.

    Thanks

    Ashal

  2. Anshuk Jain says:

    I would firstly ask you to check your cibil report for any anamoly. Then you can talk to the bank and let them know beforehand that you don’t have any history..

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