Credit Cards
Use credit cards wisely
How utilisation, billing cycles and minimum dues shape your credit score — and the habits that keep it healthy.
Card topics
Beginner's Guide
How a credit card works
Credit Card Utilization
Across one or more cards
Card EMI vs Personal Loan
Which is cheaper?
How Cards Affect Your CIBIL
The four levers
Utilisation → score impact
Card utilisation30%
Healthy — keep under 30%
General guidance — lenders weigh utilisation alongside other factors.
Independent · Every figure dated & sourced (CIBIL) · Reviewed by CAs & ex-bankers