Hey
I am new to the forum
Yes this is a genuine question
I recently applied for HDFC Swiggy cc and I have received it with a limit of 3L rupees.
I don't think I spend that much and so my credit utilisation is usually around 5-6%
Does it affect my credit score
If yes how can I lower my credit limit?

I am new to the forum
Yes this is a genuine question
I recently applied for HDFC Swiggy cc and I have received it with a limit of 3L rupees.
I don't think I spend that much and so my credit utilisation is usually around 5-6%
Does it affect my credit score
If yes how can I lower my credit limit?