Using 90% of credit limit of sbi CB card for a month only...will it impact cibil score

[ujjwal2024]

I need to buy air ticket which will cost me 1.15 Lakhs...the credit limit on my SBI CB card is 1.25 Lakhs
Now If I buy the ticket with CB card, I will get Rs, 5000 cashback and I am happy with it as it will also ensure Rs. 1200 annual fee waiver...
But, whether this will affect my civil score?

 

[BVCBVC is verified member.]

Request in consideration. Will get an update before 28 Aug.

Update it here. If you are successful.

 

[Adith]

Is there any specific method i can check which cards im eligible for in sbi and whether they are LTF or FYF or paid etc? Im fine with a cibil enquiry for this.

Note : NTB with SBI.

 

[Krishna Kumar]

Update it here. If you are successful.

Sure.
Initially I got a limit of 2.6 lakhs on my SBI CB One year back. Then I got Rupay SimplySave on split limit basis. I splitted as 50%.
Thereafter no LE offer from them. Let's see.

 

[technoswan]

If you have multiple credit cards your overall utilization ratio matters, not at the card level. But multiple times doing it might have an impact, once in a while it should not be a problem.

So having all banks CC does have a benefit. Makes credit pool larger. Does amazon pay later limit comes under this pool?

 

[BVCBVC is verified member.]

So having all banks CC does have a benefit. Makes credit pool larger. Does amazon pay later limit comes under this pool?

Yes, loan accounts will also be considered.

 

[Anindya98]

So having all banks CC does have a benefit. Makes credit pool larger. Does amazon pay later limit comes under this pool?

Yes, it comes under the Unsecured Consumer Loan and is reported every month in Cibil.