this post was submitted on 01 Oct 2023
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Paying credit card interest doesn't increase your score whatsoever, paying your bill on time does. Just pay whatever is due (statement balance, not minimum payment) and you'll get positive payment history. Don't waste money on interest.
It sounds like you need a budget. Track every penny so you know where everything goes. Worst case scenario, you don't find any waste, but you do know where your money is going.
I do that and make corrections every so often. I'll realize I'm spending more than I expected at restaurants, or my car insurance went up, or whatever.
Perhaps it's time to look around for a new job. I don't know what you mean by "work tech," but surely you're worth more than whatever they're paying you (you can at least get better benefits). I also don't know if you're Indian or American, but I do know plenty of companies can handle immigration paperwork (e.g. mine does, we have plenty of people who used to work at InfoSys at my org).
Right now is a rough time to look, but there are opportunities everywhere.
Good luck! I hope you can get into a more comfortable financial situation.