CIBIL Score Query

Using your credit card will increase your cibil score but utilisation shouldn’t exceed 30% of your credit limit.
So ideally you’d want a credit card with a high credit limit.

I once missed an emi 4 years ago and my cibil dropped from around ~815 to ~720. I got a credit card with 3.5 lakhs credit limit. I spend close to 30-40k on credit card per month, that’s 10-15%, before my next bill payment I’ll have spent another 10-15% unbilled payments. Sometimes I’ve reached my 3.5L limit and sometimes haven’t used it at all, in just 2 years I was able to go from 720 to 785.

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