hi Guys, I have 3 credit cards that I don't use anymore, but I am thinking of keeping them active by doing 1 transactions every 6 month. does CIBIL report with 0% utilization affect credit score? FYI all 3 are LTF cards.
does anyone have a Amex SmartEarn credit card? if yes can you tell if 10X rewards points will also be available on Amazon pay wallet load and buying Amazon gift card..