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Suppose I take 3 add-on cards for my family and in one year the primary card spends 3 lakhs and the 3 add-on cards spends 3 lakhs each. How much spending will be reported in the primary card holders income tax returns (26 AIS or whatever it is called) ? 3 lakhs or 12 lakhs ?

What would be the effect of utilising more than 30% and for how long that effect stays ? I mean next month my utilisation is low so score will increase or it will increase after x months of low utilisation.....