02:58 wrong, use at least a 1% from the limit of ur card so it wont ruin the score! remember to use Min 1% and Max 30%, Pay bill on time, pay minimum due if u didn't get ur salary if you pay min due you may have to pay huge interest for rest of the amount but it wont trigger as missed bill payment to the credit bureau as missed or failed to pay when you forget to pay on time
@kenstonecapital
7 ай бұрын
Yes 🙌 will check
@vishalwadhwa7320
8 ай бұрын
Very deep information 👌
@SivaChidambaram15
8 ай бұрын
What if I utilize 90% of the credit limit, but pays the whole amount once the bill generated? Will it have any impact?
@kenstonecapital
8 ай бұрын
Yes because of high utilisation ratio
@biggdaddyy
7 ай бұрын
Pay 60-70% before the bill generation date and you will get the bill for only the remaining 20-30% amount . This is the hack which I use .
@SivaChidambaram15
7 ай бұрын
@@biggdaddyy Okay
@NandaGovinda
7 ай бұрын
pay it before 28- 30 of the month as this time bank sent ur data to credit bureau regarding ur usage (at least this is what i head from experts )
@NandaGovinda
7 ай бұрын
@@biggdaddyy bro bank share date of outstanding amount to credit bureau not billed amount, as far as i know they share the data in month end (diff bank diff times but mostly in month end) so it is always better to under 30%
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