“Your salary is the goal!” said one comment on a Reddit post complaining that even a net salary of almost Rs 6 lakh per month and a CIBIL score of over 800 was not enough to get a premium credit card. “Bro, at that salary I wouldn’t worry about getting any card,” said another Redditor. Such posters are among the 183 million Indians who self-monitor their credit scores, according to credit bureau TransUnion CIBIL. Leading the charge are the Gen Z and millennials, making up 77% of the monitoring base. But keeping an eye on your creditworthiness is just the first step to spending more, with gold, two-wheeler, and other consumption loans all seeing a pick-up within three months of credit score monitoring. Those under the age of 35 also make up more than half of all first-time borrowers, said Bhavesh Jain, Managing Director and Chief Executive Officer of TransUnion CIBIL.…