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I had two credit card applications rejected with the following reasons:

  • ...as your application is not in line with our existing credit policy.

  • ...as it does not fulfill our internal policy criteria.

I might not be having a good credit rating as I do not have any existing loan or credit card. I'm a salaried employee with an annual salary of INR 1 Million (approx. $15,600). My salary account is not with either of the above two banks.

I have never applied for a CIBIL score. Is it possible for the card issuing banks to check my score without my permission? Details which I have provided during the card applications only includes my PAN and Aadhar numbers.

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    Yes they can check your CIBIL score. If you haven't checked you CIBIL score ever, check it and see if you have proablems in your score. – DumbCoder Aug 31 '17 at 15:26
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Is it possible for the card issuing banks to check my score without my permission?

As far as I understand these things, that is exactly the whole purpose of these sorts of credit-rating institutions.

The banks and other financial businesses are their customers. They exist to serve those customers. Their relationship, if any, with a consumer is probably secondary to that.

When you apply for credit, you give that business any permission needed.

  • My credit rating was NA. I have no credit history. – Nitish Dec 15 '17 at 5:46

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