790 CIBIL, 3.7-year-old credit history, ₹1L+ salary — rejected by Slice and Kiwi. Why?
I have a 790 CIBIL score and my oldest credit account is around 3.7 years old. I have a good repayment history and a ₹1L+ monthly salary.
I currently have 2 credit cards:
OneCard
Amazon Pay ICICI Credit Card
Despite this:
Slice:
“We can't approve you now. Use Slice Savings to build credit eligibility.”
When I was creating the Slice account, I also remember seeing something along the lines of “credit account not found”, although I'm not 100% sure about the exact wording.
Kiwi:
“Credit account is not old enough.”
I'm confused because my credit history isn't particularly new, and my CIBIL score is 790.
Could this be because Kiwi/Slice have their own internal eligibility criteria that are different from CIBIL? Or could there be some issue with how my credit accounts are being reported?
Has anyone with a similar profile faced the same thing with Slice or Kiwi?