There is a process one needs to follow and must also account for the consequences of closing a card.
The RBI has mandated banks to offer a three day grace period for customers to pay outstanding total due amount mentioned in the statement.
Four big private lenders, largest public sector bank and two NBFCs are currently offering these credit cards to their customers.
Secured credit cards can be a great substitute/alternative for those who are unable to get regular credit cards due to non-compliance of rules.
If you have multiple liabilities and are unclear about prioritising them in the best possible way, it would be wise to seek professional help