My friend works for an MNC and salary package is 40LPA. He has a HDFC regalia card since ages. Has taken car loan and repaid promptly.
He applied for an Amex platinum travel through my referral and it was rejected. CIBIL history was the reason given. He checked CIBIL and score is non-existent! He is quite flabbergasted now, how there is no CIBIL score even though he uses credit card & has paid loans.