CIBIL / Experian put ~30% weight on credit utilization. Aim for under 30% overall, and never let any single card cross 50%. Per-card and total utilization both matter.
Overall utilization
0%
—
Total credit limit
₹0
Total balance
₹0
Available credit
₹0
Cards over 50%
0
Score impact bands
< 10% — Excellent. Best score impact.
10 – 30% — Healthy. Maintains a strong score.
30 – 50% — Caution. May reduce score by 20–40 points.
50 – 75% — Risky. Significant score impact.
> 75% — High risk. Major score drop; new loan approvals may be delayed.