New Delhi, July 17 -- "When your payslips don't get you a credit card, but your degree does."

This recent anecdote from Reddit has struck the right chord with myriad young professionals who find it hard to navigate the confusing world of credit cards in India. A user shared their surprising experience of getting repeatedly rejected by a leading private bank despite having salary slips but only to be approved later within a couple of days by another bank, thanks solely to their educational background.

Here's how it unfolded.

The user, a salaried professional with a savings account in HDFC Bank, was met with an unexpected barrage of calls and WhatsApp messages from various bank agents soon after converting their account into a salary acc...