Hey folks, I have been using Pay Laters since almost 2 years, FK & LazyPay. I want to close these loans. I applied for Flipkart Axis in January, 2022, after offline KYC it was rejected. Again applied after some day & again rejected. So I wished to wait 6 month before applying anything. Again out of curiosity I applied for Airtel Axis in June, again declined instantly. After that I didn't apply for anything. My CIBIL Score is stuck on 733 from last 4 month because these BNPLs don't update to bureaus regularly. Now FreeCharge is spamming me everywhere since September on WA, SMS, Push Notification etc for FreeCharge CC. Also 6 month passed from my last application. FYI my age is below 21. Should I apply this credit card or wait for a great opportunity as someone told me that Banks approves much application is Jan, Feb & March to reach targets? Should I apply? also created TF account today but I've been reading forum from outside š¤.
Thanks in advance š.
