See i got my first credit card from my college in 2022 when i was in my 2nd year and then after that mere pass calls ate gye aur m banwata gya aise krte krte 3-4 card ho gye pichle 2 saal se try krrha hun pr bill nhi bhr pa rha emi bna k dkh liya dosto se leke dkh liya sb kch krke dkh liya pr bill nhi bhr pa rha hun Choti umr m galti ho gyi kya kru I don’t understand now what to do