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Should I apply for BOB Easy CC? Help.

n00b

TF Select
Hi,

I recently opened a BOB Advantage Savings account.

Now I'm considering getting a BOB Easy Rupay CC to use when UPI is enabled. Do they easily approve it?
I'm also thinking about it because they're offering LTF, which will apparently expire on March 31, 2023.


However, I have a few reservations:

- I had a bad CIBIL hit in February, which dropped my score from 744 to 724 and is now recovering. (732 at the moment).

- Is there another Rupay CC that can be easily approved so that I can use it on UPI?

- I have a OneCard FD and an APay ICICI credit card with a low limit, so I'm not sure if they'll work for C2C.

- I have a Tata Neu FYF Offer, but I'm not sure if I'll get LTF later, so I'm passing on it.


Should I apply for BOB Easy or forego Rupay on UPI for the time being? I'd like to hear your thoughts.

Thanks
 
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