CarbonLogic
TF Select
Hey everyone, so today marks my 5th successful payment with UtkarshBank Supecard since I got it in Feb. (My first CC and beginning of Credit history)
My ICICI Apay application cooldown timer will reset in abuot 20 days as well. (Failed in Jan since I had no credit history)
So I was hoping to receive some advice from you guys. After making the 6th payment on August 1st and assuming it is reported to CIBIL by 15th, I intend to apply for ICICI Apay once again on 20th August. Would you guys recommend it? Also was wondering if I shuold apply for SBI CB either after 1 month of applying for Apay (irrespective of whether Apay gets approved or not) or should I apply for SBI CB first? I feel like applying for the LTF card first makes more sense. (Primary estore is Amazon ofc but I do frequent FirstCry, Myntra etc)
Will be applying under the Self Employed category as my Annual Income is ~4L (pseudosalary as I work in a charitable clinic which pays me on a monthly basis so for ITR purposes its more along the lines of "Self Employed" with a fixed monthly income - for now)
My ICICI Apay application cooldown timer will reset in abuot 20 days as well. (Failed in Jan since I had no credit history)
So I was hoping to receive some advice from you guys. After making the 6th payment on August 1st and assuming it is reported to CIBIL by 15th, I intend to apply for ICICI Apay once again on 20th August. Would you guys recommend it? Also was wondering if I shuold apply for SBI CB either after 1 month of applying for Apay (irrespective of whether Apay gets approved or not) or should I apply for SBI CB first? I feel like applying for the LTF card first makes more sense. (Primary estore is Amazon ofc but I do frequent FirstCry, Myntra etc)
Will be applying under the Self Employed category as my Annual Income is ~4L (pseudosalary as I work in a charitable clinic which pays me on a monthly basis so for ITR purposes its more along the lines of "Self Employed" with a fixed monthly income - for now)
