Doubt regarding utilisation ratio

[Atharva@1909]

i have 3 credit cards in which one of the card is fully utilised and other 2 are under 30% Will it impact credit score ?

 

[Zacobite]

i have 3 credit cards in which one of the card is fully utilised and other 2 are under 30% Will it impact credit score ?

yes for sure... v high utilized portfolio.. pls. try and optimise.. quickly.. unless you have no plans for any loan / card etx. in the near future

 

[Atharva@1909]

Actually i always maintain utilisation ratio under 30% but the problem happened is I paid my one card bill via cred but tht shitty app didn't settled the amount and hence the statement is generated is of high amount 🥹

 

[Zacobite]

Actually i always maintain utilisation ratio under 30% but the problem happened is I paid my one card bill via cred but tht shitty app didn't settled the amount and hence the statement is generated is of high amount 🥹View attachment 48354View attachment 48355

then its fine.. will. blip for. one. month and stabilize again.. nothing to worry