Credit utilisation

[shukla]

Hii, please let me know, if I've 2 pay later and 2 credit card then credit card utilisation be calculated based on credit card limit or including pay later also.

 

[rohit_20085]

Pay later facility is also a kind of loan or a form of credit. However, since it's not a card, credit card utilisation will only consider 2 credit cards for calculation

 

[shukla]

So total limit on pay later will not be calculated??

 

[rohit_20085]

Pay later limit will be considered for calculating overall credit utilisation ratio, but not credit card utilisation

 

[17ysaurabh]

Hi @shukla
pay later service limits are not considered for credit utilisation.
Only credit card limits are taken into consideration.