Is it better to wait or take a chance with banks?

[Saivi]

I finally have two credit cards and a repayment history. Should I wait a few more months to make my profile look even stronger before I reapply, or should I try my luck sooner with the major banks that rejected me?

[Siddarth]

Since you’ve already obtained two cards and have a good payment history, your profile is looking much stronger! In India, just 6 to 12 months of on-time payments can significantly boost your score and increase banks' trust in you.

I suggest waiting a few more months before reapplying to the banks that said no. If you rush now, another rejection might hurt your score. A little patience will give you a much better chance of getting approved.