u/Conscious-Page9894

Hii

I’m 23 years old with a monthly salary of ₹60,000 and currently hold multiple credit cards with a combined limit of around ₹20 lakhs. I’m planning to apply for the HSBC TravelOne Credit Card mainly for travel benefits.

Given my profile, I’m a bit concerned about rejection due to already having high total credit limits across cards.

Has anyone here been in a similar situation or successfully gotten approved with a high existing limit?
What’s the best way to improve my chances of approval—should I reduce limits, close a card, or take any specific steps before applying?

Current cibil 775