I have a solid payment history and low utilization, but my score took a hit. Should I stop obsessing over the short-term dip and focus on stabilizing my income and chipping away at balances? If I stay consistent, is it realistic to expect my score to climb back over 700 soon?

For selling in-game items for USDT on Binance from foreigners, and later converting some USDT to INR via a friend's Binance and UPI, do Indian taxes (1% TDS or 30%) apply?