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My friend just refreshed his credit score on One Score, Amazon and Cibil website. Score on Cibil website is 778 and on Amazon and One score it is 769. Which one should be considered accurate? I wonder what score will a bank get if he applies a credit card today and they make a hard enquiry...

Suppose someone has only unsecured cards with good limits (over 50k) and no BNPL ever. And he takes few low limit secured cards (only 2k or 5k FD). What effect will it have on his credit profile. 1. Will it improve or decrease his score? 2. Will it effect the of future credit cards limit...