Credit Score Health

Credit Utilization Ratio (CUR)

A high CUR is the #1 reason for falling CIBIL scores. Calculate your ratio across all your credit cards to see if you are damaging your credit profile.

Your Card Portfolio

Combined limit of ALL your credit cards.

Current total amount owed.

Action Required

To restore your CIBIL health and drop below the 30% golden ratio, you need to immediately pay off ₹30,000 of your outstanding balance before the statement generates.

CIBIL Impact

Current Utilization

40.0%

Warning

You are crossing the 30% golden rule. Your CIBIL score might see a slight dip.

The 30% Golden Rule of Credit Cards

  • What is CUR? Credit Utilization Ratio is simply the percentage of your available credit limit that you are currently using. It accounts for roughly 30% of your total CIBIL score calculation.
  • The 30% Limit: Financial algorithms are designed to flag "credit-hungry" behavior. If you consistently use more than 30% of your total available limit, lenders assume you are struggling with cash flow, and your CIBIL score will drop—even if you pay the full bill on time every month!
  • The Hack: CUR is calculated across ALL your cards combined. If you have a ₹1 Lakh limit card maxed out, your CUR is 100% (Terrible). But if you accept a second credit card with a ₹2 Lakh limit, your total limit becomes ₹3 Lakhs. That same ₹1 Lakh balance now represents a 33% CUR (Good), and your CIBIL score will instantly increase without you paying down any debt!
  • Timing Matters: Banks report your balance to CIBIL on the statement generation date, NOT the due date. To artificially lower your CUR, pay off 80% of your balance three days before the statement generates.