It is advisable to scan through your credit report and look for any mistakes in it which may include incorrect personal information, accounts that do not belong to you, incorrect account statuses, or fraudulent activity.
Secured credit cards require a security deposit, which typically becomes your credit limit. This reduces the risk for the issuer, making it easier to qualify for even if you have limited or poor credit history.
Your credit card usage and payment history have a significant impact on your credit score. Making timely payments and keeping credit card balances low relative to your credit limit can have a positive effect on your score.
It is necessary to keep your CIBIL above 750; below this, it is likely that your loan application will be rejected; Check reasons for low a CIBIL score and how you can improve it