High Credit Card Usage: How It Impacts Your Credit Score

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Credit Score Alert: High Credit Card Utilization Can Hurt You, Even With On-Time Payments

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Moneycontrol•05-03-2026, 13:15

Credit Score Alert: High Credit Card Utilization Can Hurt You, Even With On-Time Payments

•Your credit score depends not just on timely payments, but also on credit utilization.
•Credit utilization measures how much of your available credit limit you are actually using.
•Lenders view consistently high utilization as a sign of financial strain, even if you pay bills on time.
•Aim to keep your credit utilization below 30% to maintain a healthy credit profile.
•Strategies include making partial payments before the billing cycle closes or requesting a higher credit limit.

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