Credit utilisation

[Mosin]

Anybody Suggest me if i have 2 credit card for each i have credit limit of 125k and now according to credit utilisation rule ie 30% i can spend upto 36k from 1 card now if i have to purchase a smart phone values upto 50k on EMI from 1 card can this purchase affect my cibil score

 

[wcgxlr8]

If your total limit is 2.5L, try to keep your open balance under 75K. you can utilise as much as you want but make sure that the open balance before the bank reports to CIBIL is less than 75k (this is the highest , try to keep it under 10% ideally).