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.