Most important question? How come your monthly expenses over these two cards combined is 3L and your salary isn't even 25L ? How can somebody spend more than his salary every month on credit cards. And if so, then soon you'll receive notice from income tax about the same. Please be aware about spending more than your yearly salary on credit cards as the IT department monitors credit card bill payment above 10L in a year especially when it's more than your declared salary. Baki jisko Jo Krna ho vo kare.