In 2008, I borrowed home loan from HDFC Ltd. In 2010, I borrowed personal loan from Citi Bank. Barring one or two, I have always paid EMIs on time. Personal loan has already ceased. I want to apply for a credit card. I am in service and since 2010 I have never applied for any other loan. Will I get a credit card or do I need to clear my debt before applying for it?