Zero Bill vs ~5% utilisation Bill

[vishp]

As the Title suggests, which method would be good to improve the Cibil score? Zero Bill vs 5% utilisation Bill?

I am new to CC world, and want to increase my Credit score above 750. Current is 726.

 

[MrJJ]

I don't think not using at all is a good thing. Surely you must have some utility payments every month just use the card for that. Keep the credit utilization below 30% and you are good to go.

 

[D₹V]

As the Title suggests, which method would be good to improve the Cibil score? Zero Bill vs 5% utilisation Bill?

I am new to CC world, and want to increase my Credit score above 750. Current is 726.

Zero usage 🤭.

 

[sousnake]

As the Title suggests, which method would be good to improve the Cibil score? Zero Bill vs 5% utilisation Bill?

I am new to CC world, and want to increase my Credit score above 750. Current is 726.

100 rs amazon gift card every month. Cibil with rocket 🚀

 

[credit_debit]

Another suggestion: Get IDFC Wow or any other FD based credit cards and do some spends. It will help in score improvement. As a thumb rule do some spends on existing card, but don't cross 30% of the threshold limit.

 

[helloworld]

pay full on time even if you used 100% and forget everything. Good for CIBIL and mind.

 

[AnungUnRama]

As many of the members have already suggested, keep usage in the range of 10-15%, pay bill on time, that's it.
Bonus tip- if you are someone who remains busy and may forget the due date, just enable autopay. And watch your CIBIL grow.

 

[vishp]

Thank you everyone for your suggestions!