You fill the form, upload the documents, and wait—only to see “Application Rejected.”
Here’s what’s likely going wrong 
Low or Unstable Income
Banks prefer applicants with steady monthly income. Freelancers or those with frequent job changes might need to show consistent tax returns to qualify.
Poor Credit Score (Below 700)
If you’ve missed EMIs, overused credit limits, or defaulted earlier, banks see you as high risk — even a single late payment can hurt.
Too Many Recent Credit Inquiries
Applying for multiple cards in a short time signals credit hunger. It drops your score and triggers auto-rejections.
Existing High Debt
If your current EMIs or credit card dues already eat up more than 40–50% of your income, your application can be denied.
Mismatch in Personal Details
Minor errors — address mismatch, wrong PAN, inconsistent employment info — can flag your application for manual review or rejection.
Limited Credit History
If you’re new to credit (no loans or cards yet), banks have no data to assess risk. Starting with a secured credit card (FD-backed) helps.
Ineligible Location or Job Profile
Some cards are offered only in select cities or segments (e.g., salaried, government, corporate). Out-of-scope applications often get filtered automatically.
Negative Internal Banking Record
If you’ve ever defaulted on a loan or cheque with the same bank, they may decline new credit even if your CIBIL score is fine.
A rejection isn’t final — it’s feedback.
Fix your score, clear dues, and reapply after 3–6 months.
Or start with entry-level or secured cards to build a healthy credit profile.
Have you ever had a credit card rejected? What reason did the bank give you — and how did you fix it?