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0:24
YouTube
ZET
Most people think your credit card limit is meant to be used fully, but that’s where they go wrong
Using more than 30% of your limit increases your credit utilisation ratio, which can pull down your credit score fast. Ideally, if your limit is ₹1,00,000, try keeping your monthly usage under ₹30,000. Pay your bills in full, not just the minimum amount, and never miss a due date. A good utilisation habit equals a better score and better ...
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