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.
CIBILscore. If you haven't checked you CIBIL score ever, check it and see if you have proablems in your score.