Need SBI Vistara Prime as my 3rd SBI Card

[PaneerButterMasala]

Hi Awesome TF Community,

I already have an LTF SimplyClick and a Paid SBI Cashback Card. I have kept SimplyClick only for SBI offers as Cashback card is mostly excluded for these purchases.
Cashback is my primary card for all things online.

Based on my new requirements, I want to get a Co-Branded Vistara card. SBI Vistara Prime is a great selection.
However, SBI keeps declining my application. I applied online as well as by agent.

I was quoted "Internal Policy" as a declination reason. The agent told me that my Credit exposure is more and hence I am being declined of the card.
I can think of a few options and would like to know what I should do:

1. Stop aiming for SBI Vistara Prime and get an IDFC Vistara card - Do you think it will also be declined because of my credit exposure?
2. Close SBI SimplyClick and wait for a month and re-apply for SBI Vistara Card.
3. Close other Credit Cards and re-apply for SBI Vistara Card.

Which route do you think is the best?

 

[Shroud]

You can try the 1st option - it has less chances of being rejected.
Else you can try 3rd option and close unnecessary cards to decrease credit exposure.