hi guys, i am 21 currently, cibil is 730, had one card fd based closed one but then used pay later( paytm postpaid) and due to some glitch it showed late payments and my cibil dropped. well currently I got sbi prime fd based. I wanna now few things. first will sbi report this as secured or unsecured? second can I apply icici c2c with this card?3 how much should I utilize my card to get the best cibil possible, I dont mind using it less than 10 percent to improve cibil
