Hello guys I am two credit card one hdfc biz grow credit card and Hdfc Rupay UPI credit card. Both credit card are linked cards. What doubt I am having. In that limit is 75k for both cards(both cards are linked so having same limit). For example I am taking 20k from my hdfc Rupay card balance will be 55k. If I take another 20k from my hdfc biz grow card. It will come under utlization percent? It will affect my cibil score?
Two credit card in same bank
- Thread starter kathir
- Start date
hitirfan
KF Mentor
Utilization ratio for CIBIL etc separately hoga, if both these cards show separately in CIBIL etc
Skylar
KF Master
No, it will not affect your CIBIL score, as each card will be listed separately with a limit of ₹75,000 each.
shivamid6
KF Ace
I asked same question, few days back I got this response (in the attched ss).
Attachments
shivamid6
KF Ace
How it will be seperate? I have been told that it cibil will be combined.
Skylar
KF Master
If you cross it once it won't affect if cross it every month then it will affect.
Skylar
KF Master
If you check the reports it will be shown seperate for each card, My 3 HDFC cards and 2 icici and Axis card show seperatly even when all of them are having combined limits.
Yeah for me both cards are linked so I am having only one 75000 limit. I can take 20k in both cards right I will not affect my cibil
Skylar
KF Master
Yup for HDFC cards billing date for all the card is same date, My 3 cards are billed on 19th
Can you tell what Credit card name that you are using
hitirfan
KF Mentor
CIBIL ya koi aur score check karo, I'm sure do alag card dikhenge
Skylar
KF Master
Any Rupay cards
shivamid6
KF Ace
Showing only one credit card in cibil report
Can you tell how you are checking the cibil score
Skylar
KF Master
Tata neu is rupay card
Skylar
KF Master
It would take 15 to 30 days for the new cards to reflect in credit reports
