I had 3 Icici cards (APay, Platinum and HP) when I applied for Sapphiro campus offer, since I was eligible for it. Platinum and HP have shared limits. I asked the Call centre exec that I have 3 cards, do I need to close any of them for Sapphiro. I was told that's not a concern. After KYC etc, I have received a rejection mail without stating any concrete reason. In terms of credit activity of past 3-4 months, inhad closed Axis Magnus and upgraded to Yes Marquee with limits enhancement. Is this going to affect my credit score?