31 Oct 2025 | 5 Mins Read
Clearing a credit bill before due date can impact your utilisation ratio
Flipitmoney
Exceeding credit limits, even if repaid on time, raises red flags for lenders. Credit utilisation ratio below 30% is recommended for a healthy score. Frequent or excessive utilisation, even with timely repayment, can indicate higher credit risk. Credit bureaus report repayment activity from Buy Now Pay Later and UPI-linked credit lines, affecting overall credit history.