I tried exactly at 10:00 am and it kept showing a high load till 10:08 am. After that the payment went through and the tickets were already gone.
I tried from Irctc, Railone and even on my iPad but nothing worked.
I have my first attempt next year and I have written 70-80 PYQs before (untimed) and got them evaluated and I was getting good marks in them so I was in a bubble that I am doing great and all and then I thought let's try writing a half length mgp test for GS 2- It gave me a quick reality check of my preparation.
It had 10 questions -5 questions were 10 marker and 5 were 15 markers and I could complete only 6 and half out of 10 in 1.5 hrs🥲🥲
I had many points in my mind but wasn't able to put them on the paper.
Also the quality of answers were not up to the standard of the model answer, although there was a proper IBC structure in every question and I tried to incorporate way forward in 3 questions.
Any suggestions to increase the speed and quality of my answers?
I know most of you would be busy in your Pre preparation but any suggestions would be welcomed.
TL;DR/summary:
Good at untimed PYQs, but first timed GS2 MGP test exposed poor speed and answer quality—completed only 6.5/10 questions. Need tips to improve speed and writing quality.
I was earning 15k pm earlier and from the last month it has increased to 30k pm.
These are my debts:
1) Cred cash @23.99% pa
EMI: 8070 pm
Tenure remaining: 16 months
Principal remaining: Rs 1,10,000
No foreclosure charges here.
2) Axis bank credit card emi @18% pa
EMI: 6042 pm
Tenure remaining: 13 months
Principal remaining: Rs 65,000
Foreclosure charges will be around 1200-1800
3) ICICI bank credit card emi @18% pa
Outstanding balance: Rs 63,000
EMIs:
Rs 1024 pm (Remaining: 18 months and Principal remaining is 16040
Rs 1800 pm (Remaining 8 months and Principal remaining is 13365
So my total liability here is 93000. Total foreclosure charges are 1000 combined.
My total EMIs per month is Rs 16912 , and I need 10k for my fixed expenses like Rent, food etc.
Also the main thing is that I am hopeful of receiving 1 lakh lump sum this month.
What should be my strategy to close the loans as quickly as possible.
I want to close all the loans by the end of this year, is it possible?
I applied for the Slice credit card after opening a savings account with them but it was instantly rejected. I mailed them for the reason and they said this:
"Slice credit card could not be approved at this time due to concerns related to your repayment history.
We encourage you to maintain a consistent record of timely repayments across all your financial accounts"
But my repayment history is 100% timely payments with 4 yrs of credit history. Rather I always pay it almost 15 days before the due date.
I am also using other banks credit cards with good limits: Axis(1.05lakhs), Sbi(1.5 L), Icici(1.4 L) and Hdfc(1.01L), also my credit utilisation rate is only 21.5%.
I know getting a card from them is not my right but the reason they are giving for declining the card is completely absurd and baseless..
Is there anything I can do?
What are the few things which they do differently than the people with 80-100 marks?
My target is 2027 although I attempted a few forum simulators in the past one month with scores ranging from 60 to 90.