No credit history You may be thinking that you have never taken a loan nor a credit card, and this will impress the bank and they will issue the credit card to you. But that doesn't work. Since, you have not taken any form of credit, you do not have any record with CIBIL. Banks are normally cautious in this kind of cases because they have no idea of your repayment behavior. So the best way out is to apply for a loan or a credit card from a bank whom you have a long relationship of either having a savings account or a salary account. This is the bank who is going to trust you more than any other bank without a credit history.