How to Get Approved for Scapia Credit Card Despite Rejection❓

[Piyush_]

Dear Members 👋

I recently applied for the Scapia Credit Card (issued by Federal Bank), but unfortunately, my application was rejected. I'm trying to understand what steps I can take to improve my chances of approval.

Here are my current financial details:

CIBIL Score: 780

Existing Credit Cards:

SBI Cashback
HDFC Swiggy
IDFC First Millennia
IndusInd Legend

Highest Credit Limit on a Single Card: ₹1,00,000

No existing relationship with Federal Bank


Despite maintaining a strong credit score and using multiple credit cards responsibly, my application was still denied. I’d like to understand how I can improve my chances of approval for the Scapia card.

Questions:

1. Is there a specific income requirement for Scapia?
2. Can reapplying after a certain time period help?

Any insights or suggestions would be greatly appreciated.

Thank you.

 

[Raviteja]

First, email them to ask for the exact reason for declining your application.