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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 😇

Hello Guys I have hdfc credit card with a 75k limit. Recently I purchased one product which cost 29k and did 6 months EMI of Rs 5k each. So now can you tell me how do I calculate my utilization ratio? Earlier if we calculate 30% of 75k which is 22500 was my upper limit. Will it be the same or...

Hello Everyone I want to ask something. Let's say I have a 75k limit on my hdfc moneyback credit card. And I spent around 30-40k, but before the bill generates, I paid back approximately 50-60% so that my credit utilization ratio is below 30%. Is it good practice or not? As I am a new credit...