Hey Guys I'm 22 and I have just graduated. no job as I'm prepping for Higher studies. I want a credit card so I have a few questions. I have opened RBL and BOB accounts for this purpose. primarily using SBI and Kotak for transactions. Now I am thinking of a Secured CC, RBL people told me about some VISA LTF CC against FD of 1 Lakh. Now my question to you guys are 1) How long will it take for credit score generation? 2) what would be my first Credit score after using for several months sincerely following the CC rules 3) Now that I don't have a Credit Score so Should I get one VISA LTF CC against FD of 1 Lakh from RBL and one from BOB? now that I don't have a Credit Score so applying for 2 Secured CCs simultaneously would affect my Credit Score in future? Hard Inquiry?