u/Sensitive_Level_9391

Hi, I’m a SDE fresher earning 70k per month i have HSBC salary account and got my first CC from them with limit 75k, my credit utilisation is around 90% effecting my CIBIL, i’m a heavy spender, like i mostly use CC for general spendings like shopping, cafes, pubs etc and i also use this CC for product emi’s which clearly not enough for me, HELP me should i take a second CC if so which one? Or am i using my CC wrong? Suggestions please as i am new to this all

Hi, I’m a SDE fresher earning 70k per month i have HSBC salary account and got my first CC from them with limit 75k, my credit utilisation is around 90% effecting my CIBIL, i’m a heavy spender, like i mostly use CC for general spendings like shopping, cafes, pubs etc and i also use this CC for product emi’s which clearly not enough for me, HELP me should i take a second CC if so which one? Or am i using my CC wrong? Suggestions please as i am new to this all

I want something private, aesthetic, and romantic (not loud or crowded). I was considering Olive Bistro & Bar since they quoted 35k for private dining + decor, but that feels a bit high.

Would love suggestions for:
Cafés/restaurants that allow proposal setups
Places with good ambience (lake view, rooftop, etc.)
Event planners who can handle decor + photography
Or even unique proposal ideas in the city

Goal is something simple but looks premium and memorable.

If anyone has done something similar or knows good contacts, please share 🙌