At what date axis bank report to cibil

[suraj singh]

If i have used more than 30% limit of my credit card of axis bank then at what date i should pay this amount so that credit utilisation comes under 30%

 

[MS R]

+1

 

[Indian]

For axis no exact date we predict but either your statement balance or 31st EOD the balance report to credit bureaus.

 

[arunb248]

Generally data will be shared to cibil at end of the month 25 to 31st. But if you are applying loan or credit card then the banks will get the exact current outstanding of credit cards and loans in the cibil report pulled by them. Here you should notice that hard enquiry will hurt your credit score which is done by banks which contains current outstandings. If you want to do soft enquiry then you should do it 1st of every month to check your monthly cibil score improvement.