Credit Card Utilization on EMI

[geevarghesemvarghese]

I have a credit card with a 1 lac limit.
If I purchase an item of price 80,000 by taking an EMI having a monthly installment of 10,000.
So will my credit utilization be 10,000 or 80,000?

Considering this is my only card and no other purchases were made.

 

[ragveer]

80k will be blocked after each repayment credit limit will get released