• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Zero Bill vs ~5% utilisation Bill

vishp

TF Select
VIP Lounge
As the Title suggests, which method would be good to improve the Cibil score? Zero Bill vs 5% utilisation Bill?

I am new to CC world, and want to increase my Credit score above 750. Current is 726.
 
I don't think not using at all is a good thing. Surely you must have some utility payments every month just use the card for that. Keep the credit utilization below 30% and you are good to go.
 
As many of the members have already suggested, keep usage in the range of 10-15%, pay bill on time, that's it.
Bonus tip- if you are someone who remains busy and may forget the due date, just enable autopay. And watch your CIBIL grow.
 
Back
Top