SBI Credit Card — what is internal policy for issuance of credit card

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Plot no G151 Dwarkaniwas Opp Sankat, Bulandshahr, Uttar Pradesh, 431001

Many times i had applied for sbi credit card but unfortunately sbi says that we are unable to issued card deu to our internal policy?? What is your internal policy? My pan no. Is aqlqopm6073h
Mob no.[protected] please give me reason for what my credit card decline??
My cibil report is also excellent. Iam repais my home loan within 2 years from sanction thn what is reason to decline my card