State Bank Of India [SBI] — SBI Card Application Discrepancy

Applied for SBI Credit Card Online(Application No[protected]. SBI Card Team called me, took all my correct information/documents/salary slips/aadhar KYC Physical and told me card is approved as cibil is good as per SBI and I will get a final verification call for card delivery dispatch.

Then my card application got declined without verification call. Decline code i got from one agent "F55 Database Defaulter" code. I don't understand what does this code mean?

SBI Card Team is also not able to help me with the reason after so many follow ups with Customer service, Nodal and Principal Nodal officer and grievance redressal.