Mahirathore360
TF Select
I am sharing screenshots of November and December, in November i didn't had any Credit card but in December i have 3 CC, Cibil was 746 in Nomber but in December it is 733
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Too much confusion, does credit utilization ration calculated out of crdit cards only or it add outstanding loans balance too ?
- Thread starter Mahirathore360
- Start date
hitirfan
TF Premier
Maybe new enquiries ki waje se dip huwa hoga. It will come back and with proper utilisation of CC, keeping CUR low will definitely increase Credit Score.
I don't think CUR of Loan is considered.
I have a Personal Loan and the Score was constantly 747 till February when I applied for Credit Cards and score went to 723 and I got Cred Card in March then it kept increasing with low CUR. Currently, it is 763.
I don't think CUR of Loan is considered.
I have a Personal Loan and the Score was constantly 747 till February when I applied for Credit Cards and score went to 723 and I got Cred Card in March then it kept increasing with low CUR. Currently, it is 763.
Mahirathore360
TF Select
now i have 4 Credit cards icluding One secured Credit card
hitirfan
TF Premier
Limi
Like ur HDFC CC has reporting date 22nd, Axis has 15th... Pay the outstanding before these dates,
Limit kam hain. Use carefully. Better to keep Utilization ratio 0, if you can do that. Use CC but pay the amount before it is reported.
Like ur HDFC CC has reporting date 22nd, Axis has 15th... Pay the outstanding before these dates,
Mahirathore360
TF Select
currently its 3%
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Mahirathore360
TF Select
CIBIL credit utilization ratio icludes which financial products is still a mystry and there are diffrent opinions of people, some says it includes only credit card and some says it include all the loans plus credit card ... i am still in doubt , Experts help i have shared two screenshots , one before i have credit card and other after having credit card , in first credit utilization was calculated on personal loans and in other only credit cards are used for calculation
