Your credit utilisation ratio is a simple percentage, yet it has outsized influence on how lenders and credit bureaus view your borrowing behaviour and creditworthiness.

Credit Information Companies (CICs) like CIBIL and others use multiple parameters to calculate an individual's credit score. One of the important parameters is the credit utilisation ratio. In this ...

If you have recently started using a credit card, you must be aware that it has a fixed credit limit and you are not supposed to spend beyond this. Although the limit is typically generous, it is ...

Have you ever come across the phrase ‘credit utilisation’ and wondered what it means? Even if you’ve never encountered it, it’s worth understanding how it works and the impact it can have on your ...