I have an HDFC regalia card (limit 3 Lakh) since November'22.
I spent around 36k in November'22 and around 2 Lakh in December'22. after that, my utilization per month has not exceeded 50k.
Now I know that HDFC does not report my complete limit but even If we consider my limit as 2Lakh (which I spent in Dec' 22), my CUR is less than 30% every month. (No late payments ever). My CIBIL score has reduced from March (was 782), and now in May it is 770.
What could be the reason according to you guys?
When I tried to register on the CIBIL website, the site says that my phone number is already being used. So I am not able to see the full report. have been using Gpay for now to check my score.
I spent around 36k in November'22 and around 2 Lakh in December'22. after that, my utilization per month has not exceeded 50k.
Now I know that HDFC does not report my complete limit but even If we consider my limit as 2Lakh (which I spent in Dec' 22), my CUR is less than 30% every month. (No late payments ever). My CIBIL score has reduced from March (was 782), and now in May it is 770.
What could be the reason according to you guys?
When I tried to register on the CIBIL website, the site says that my phone number is already being used. So I am not able to see the full report. have been using Gpay for now to check my score.
