Does 0% Credit Utilization impact CIBIL negatively?


KF Ace
Yes it does, but very marginally. And the way the bureau calculates it is by looking at all credit cards together. If you have 2 cards and you use 1 also then it's fine. If you're using no credit cards for more than 6 months, then your score may drop by 5-6 points. Very little impact.