Credit score outdated !

[Teja-]

Hi ,I have a IDFC credit card , I been paying credit utilized limit before bill generation Date which is on every month on 17th and due date is 4th of next month, but before bill generation i paid utilized limit to keep under 30% , but in credit report it shows utilized limit is 99,94% , it might because even if paid before but I been using limit after bill generated. So IDFC report to credit bureau on 30/31 of month , which I got know through bekifaayati video , so last month i paid 91% of my limit before credit report date , The question on this month credit report it’s show Reported And Certified 30/06/2024 but it is August month right , why I didn’t got last month report, on report it still show used above 97% of limit, can you clarify my doubt ?

 

[wcgxlr8]

Hi ,I have a IDFC credit card , I been paying credit utilized limit before bill generation Date which is on every month on 17th and due date is 4th of next month, but before bill generation i paid utilized limit to keep under 30% , but in credit report it shows utilized limit is 99,94% , it might because even if paid before but I been using limit after bill generated. So IDFC report to credit bureau on 30/31 of month , which I got know through bekifaayati video , so last month i paid 91% of my limit before credit report date , The question on this month credit report it’s show Reported And Certified 30/06/2024 but it is August month right , why I didn’t got last month report, on report it still show used above 97% of limit, can you clarify my doubt ?

Can you please share a screenshot of the report?

 

[wcgxlr8]

I would suggest to check your report directly on CIBIL once. This shows excellent for 99% cc usage. This might be fetching the high credit field from your report which will have minimum impact on your score.

 

[Skylar]

Hi ,I have a IDFC credit card , I been paying credit utilized limit before bill generation Date which is on every month on 17th and due date is 4th of next month, but before bill generation i paid utilized limit to keep under 30% , but in credit report it shows utilized limit is 99,94% , it might because even if paid before but I been using limit after bill generated. So IDFC report to credit bureau on 30/31 of month , which I got know through bekifaayati video , so last month i paid 91% of my limit before credit report date , The question on this month credit report it’s show Reported And Certified 30/06/2024 but it is August month right , why I didn’t got last month report, on report it still show used above 97% of limit, can you clarify my doubt ?

Banks send how much you spent irrespective of your repayments.
If you see the report there will be section "Highest spent on card"

 

[Skylar]

It will be updated lately.
My friend about TV with my card and he paid it off with in a week. Way before my billing date and credit report date. Yet it was shown as highest credit used.

 

[wcgxlr8]

It will be updated lately.
My friend about TV with my card and he paid it off with in a week. Way before my billing date and credit report date. Yet it was shown as highest credit used.

It will show as high credit but it won’t affect the score

 

[Teja-]

Can guys share this month credit report date , Reported And Certified SS