Verified 6 Aug
Venkatesh Thomas
Asked 12 Jun 2026
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
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I am 21, just started working with a ₹1,00,000/month salary. Which credit card is best to begin my credit journey with in 2026?
