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Combined Utilization of all CC is 40%, Possibility of new CC application?

sivarock

TF Buzz
Hello to all fellow hunters!. Just curious to know your experience in this regard

If my utilization percentage of combined all cc limit is 30% to 40% or 40% to 50%, then how this affect my new application result?

Anybody applied to new CC in this scenario and what was the result?

Share your experience if you applied for a new cc with more than 30% utilization.

Pease✌️
 
Hello to all fellow hunters!. Just curious to know your experience in this regard

If my utilization percentage of combined all cc limit is 30% to 40% or 40% to 50%, then how this affect my new application result?

Anybody applied to new CC in this scenario and what was the result?

Share your experience if you applied for a new cc with more than 30% utilization.

Pease✌️
Depends upon cibil*

Your relationship with bank too**

Anyone can't say just with utilization ratio.

You said also describe your cibil like how many cc and loans are currently active

Gap! Previously loan or card issue date

What card you are going to apply

How much credit already you have from other banks

Current relationship with cc app.. bank
 
Depends upon cibil*

Your relationship with bank too**

Anyone can't say just with utilization ratio.

You said also describe your cibil like how many cc and loans are currently active

Gap! Previously loan or card issue date

What card you are going to apply

How much credit already you have from other banks

Current relationship with cc app.. bank
Consider all factors are good/Average. Not great.

Like mine

Definitely no late payments.
Cibil score around 760
holding 10 cards
Total limit 11.5L
No relationship earlier.
Self-employed, reported income by previous applications 7.5L, But no ITR.

I am guessing half of them here are like me. That's why I would like to know the experience of someone like me who applied new cc with this scenario and their application process.
 
Consider all factors are good/Average. Not great.

Like mine

Definitely no late payments.
Cibil score around 760
holding 10 cards
Total limit 11.5L
No relationship earlier.
Self-employed, reported income by previous applications 7.5L, But no ITR.

I am guessing half of them here are like me. That's why I would like to know the experience of someone like me who applied new cc with this scenario and their application process.
Card application ... bank??

C2c? If you are going to apply without income proof them c2c only the solution.

If you applied online, send high limit card statement to cc dept. Mail.
 
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