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I already have 2 Axis Bank credit cards (Flipkart and MyZone) and will be applying for Ace in March. My worry is will this Citi bank card be counted as my 3rd Axis credit card since Citi bank's credit card department is sold. Requesting your advice.

I work in Wipro (Corporate IT) and got a call today saying they are offering LTF for corporate employees.

Hi all, Hope you are doing well. I am actually being offered a LTF Citi Bank Rewards Credit card. I already have 2 Axis Bank credit cards (Flipkart and MyZone) and will be applying for Ace in March. My worry is will this Citi bank card be counted as my 3rd Axis credit card since Citi bank's...

Thanks for the detailed answers, I do have multiple Credit cards (8) so I guess the cumulative limit ratio is below 30 percent. I was assuming that limit utilisation was with respect to a singe card. Thanks for clearing the doubt.

I made a purchase of 39k as a 3 month EMI using my BOB credit card which has an 80k Limit. Now the EMI's per month will be 13k which is less than 30% of my credit limit but the total credit blocked from card is 39k which is roughly 50% od my credit limit. Will it impact my credit score? Also...