Am I over leveraged for SBI?

[suneelkumar206@]

Currently I hold close to 10 cards with ITR of 30L & overall credit limit across all the cards 43L.

I don't have any SBI credit card and looking to apply one.

CIBIL of 781 & no defaults.

So my question is am I over leverage according to SBI??

Shall I apply directly or reduce my exposure?

 

[suneelkumar206@]

Applied but rejected instantly.

Where to mail to get the exact reason?