Financial Restrictions for 2025?

[Saiv]

My 1st card is 4 years old(Closed) i.e means my credit history started 4 years ago, over the period i opened & Closed nearly 30 Cards, Out of 30 only 2 lasted over a year, Amazon 3 years Airtel 1 year. No other card never lasted more than <<1 year. I’m a person who closed Tata Neu Plus 3 months before renewal which is fyf. But as i always pay on time & keeps under 30% usage, My Cibil never hit below 770. In 30 almost 8* cards are secured ones. Now currently i only hold 1 Secured Card i.e Super Card by Utkarsh-Flipkart which is at the verge of closure(Jan will be the time coz opened on 13th Dec).

This’s the worst habit of mine & i’ve to correct it, stop opening the cards unnecessarily & Stop closing them. It would be the financial Resolutions of mine for 2025

 

[helloworld]

Thread 'Guide to suggest a credit card - Basic requirements'

Sep 28, 2024

How to Choose the Right Credit Card for You

Simply looking at your CIBIL score or listing your existing cards won't help determine the most suitable credit card for you. To make an informed choice, you need to consider various factors.

Key Steps to Select a Credit Card:​

1. Identify Your Spending Categories
   
   Look at your monthly or annual expenses and categorize them. This will help determine which card gives the best rewards for your spending pattern.
   
   Example:
   • Amazon: ₹5,000
   • BigBasket: ₹5,000
   • Offline...

• helloworld
• Replies: 13
• Forum: Suggest me a Credit Card

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Might help you or might not! But good decision.