Axis Re-Load and use limit?

[Predator]

I have axis cc with only 50k limit. I already spent 1L in this cycle by making payments and using card again.
Now again, two more payments have come up of around 60k. (45+15)

I have used cards more than the limit earlier many times but never pushed any CC this far, so bit hesitant now.

So, Is it advisable to use card again by making payments or better to avoid and use any other card?

Thank You

 

[drsel]

Utilising more than 30% of your credit limit will push your CIBIL score down
however you can make excess payment before the bill is generated and then you will be safe

 

[D₹V]

Yes, it's fine. Wait for pending txns to settle & use again.

 

[Shubham Yadav]

Yes, it's fine. Wait for pending txns to settle & use again.

Ji sir jaisa aap kahe

 

[D₹V]

Ji sir jaisa aap kahe

Mere kahne se kya hoga.

Jai baba MITC ki 🙏.

 

[pothi]

Utilising more than 30% of your credit limit will push your CIBIL score down

Repeatedly using more than 30% is the key here. We all have one off expenses that can cross 30%, 50% or even 75%. I have done a few years ago. It doesn’t bring down the score. Even if it comes down, it will normalize when the usage becomes normal. Also, only those who take loans / credit cards in the near future must be concerned about CIBIL scores.