I am using my first credit card from last 4 months. Can i apply for second credit card? Will this hamper my cibil score?

I am utilising less than 30% limit on my first card.

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Nope. Unless you apply for multiple credit cards in a short period of time, it should be fine.

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It may actually increase your score (in the medium term, if not immediately) since your overall credit utilisation will likely drop. Just don’t apply for too many cards (or apply too many times for the same card) in a short duration

Too many times in short spam I agree, but having too many cards doesn’t reduce ur score if ur paying well, I have total 16 CCs, and CIBIL 798

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