credit card overloading

  1. S

    Will the credit card utilization ratio is counted by all active cards ?

    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 ?
    • shreyasu
    • Thread
    • bank cibil score cred app credit bureau credit card credit card emi credit card expert credit card overloading credit card payment no cost emi
    • Replies: 5
    • Forum: Credit Cards
  2. Abhi7hek

    Credit card utilisation ratio

    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...
    • Abhi7hek
    • Thread
    • credit bureau credit card credit card expert credit card overloading credit card payment credit card upi credit card utilisation ratio
    • Replies: 4
    • Forum: Credit Cards
  3. P

    Overloading Credit card to use extra limit on a single spend.

    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...
    • phoenix99
    • Thread
    • amazon pay icici credit card credit card overloading temporary credit limit increase
    • Replies: 4
    • Forum: Credit Cards
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