Like others in this form my new credit card application also got declined due over-leverage issue. I am holding 11 cards, including one from SBI & Total Credit limit is more than my total CTC. Without closing & reducing the credit limit. I got a TATA NEU INFINITY Rupay Credit card yesterday with a separate credit limit of 5L apart from my existing SBI PRIME Card. All this happened with the help of a SBI Card Agent from Hyderabad. Really it is a surprise for me. If any body want to apply for SBI credit card, please message your contact details to me( actually, I planned to post her number in this group but she refused to do so), I will forward to the agent.