Credit utilization is calculated on all cards separately?

[SunnyM]

I wanted to use my indusind credit card upto 80% of its çredit limit as its çredit limit is very low (30000 only) but I have other credit cards like icici , one metal card and idfc millenia with higher limit. My total limit of all cards is 361000. Does cibil calculate utilization ratio for every card separately? If yes then how much will my cibil reduce if I use 80% or 100% of my indusind credit card ?

 

[ashwinkashwink is verified member.]

I wanted to use my indusind credit card upto 80% of its çredit limit as its çredit limit is very low (30000 only) but I have other credit cards like icici , one metal card and idfc millenia with higher limit. My total limit of all cards is 361000. Does cibil calculate utilization ratio for every card separately? If yes then how much will my cibil reduce if I use 80% or 100% of my indusind credit card ?

Don't worry use happily bcz your total limit is calculated.

 

[SunnyM]

Thanks so much

Don't worry use happily bcz your total limit is calculated.

Thanks so much.