CRedit Card Limit and utilisation Confusion

[Vatsal123]

If i have cc of limit of 50k per month.
Case 1- if i spent only 15 k and statment generated and i paid within due date
Case 2- if i spent 20k in first week and paid 15k then same way in 2nd and third week too. My total spending was 60k.
At the time of statment generation due amount was 15 k and paid before due date.

Is 2nd case is beneficial for me? What’s conclusion will be effect on my credit score?
What’s conclusion in 2nd case wrt 1st case?
What bank and credit score institute will understand from both type of statement?

 

[krishna1718]

case 1- spent 15 K out of 50K after statement is 30% Utilization you restricting your spending to 15K and you cannt reach AMC spending waiver limit
Case 2 - spent 60K but due 15K after statement is also 30% Utilization you increase scope of spending and maintaining good utilization. you can acheive amc targets without disturbing utilization but you lose true 45 to 50 days interest free benefit partially both have equal impact on cibil

case 1 shows you are minimal spending candidate so you get less offers, case 2 shows you high worth and safe person to bank so the chance of getting limit increase and more offers card upgrades was higher in case 2 than case 1. bank only check your worthieness and consistency in repay all these things doesnt matter if you are high income person though you spend 100% cibil score might decrease 5 to 10 points but after repay it will be corrected the more you spend the more upgrade and limit increase offers you get from banks