credit card overloading

Hi everyone, I want to share something serious that happened with my ICICI Coral RuPay credit card & Amazon Pay ICICI Credit Card and to get your thoughts. My credit limit is ₹50,000(Combined). I had used the full 31k earlier, but before the billing date I repaid around 31k. The repayment is...

For example - I have 3 credit cards with total 3.75 lakhs limit each with 1.25. Now if i use for buying product of 1.25 lakhs on EMI by any 1 card how does the credit utilization ratio calculated ? Does it affect cibil score ? If yes Is there any other way ?

Which credit utilization amount is reflected in the credit bureau report? Is it based on the statement amount from the previous month or the total utilized credit, including the amount used after the statement is generated? For example, if my credit limit is ₹30,000 and my total used credit is...

Hello Everyone, I am new here and have taken my first CC - Amazon Pay ICICI CC. I have a spend that is 20K more than my credit limit. Can I over pay my CC bill for this month by 20K and utilize it in next month using my CC for the purchase and will I get full rewards for that purchase on...