Credit Utilization - crossed 30% - what will be the impact?

[Sanjay]

hello, my hdfc credit card bill came. My 30% is around ₹22,500 but my bill came ₹23,233 just ₹733 more. Didn't know how it came as I was looking all the time. Will it affect me heavily or nothing as it's not much amount? Please tell 😇

 

[vysakh]

If you cross the 30% thingy once in a while it is not an issue. It becomes a problem only when you do it repeatedly.

 

[Akashgod]

Absolutely what impact it brings on ur cibil is independent for all individuals. I keep 60 to 70% yet it doesn't affect my cibil score. And when I made it below 10% just to test.. it didn't show any surprise during that month. 30% is a hoax.

 

[Akashgod]

One more thing is u have a hdfc cc which they never show limit. Use 100% max it out if u want!

 

[Sanjay]

HDFC doesn't report utilisation ratio.

okay. you also told me earlier in a different thread.m. I Forgot. Thanks for always helping me out @anirbanm