State Bank Of India [SBI] — After all the verification is showing declined due to internal policy

I have applied for an SBI credit and card and this is my first credit card application.Two rounds of verification and atlast appcode verification also done over and when I checked the status online it is showing as " We regret to inform you that application has been declined due to internal policy. I would like to know the reason of why my application could not be processed.My application number is[[protected]].Since this is my first credit card and . i don't have loan anything why if i not enough to get card why all the process they done just waste time so many call as well as etc.