What is utilisation?
It’s your balance divided by your limit. Bureaus read high utilisation as risk.
Paying before the statement date — not just the due date — keeps the reported number low.
Frequently asked questions
Will checking my score affect it?
No. Checking your own score is a soft enquiry and does not affect it.
How fast do I get my report?
Most reports are ready within a few minutes.
Is my data safe?
Yes. Your data stays yours and is never sold.
Credit. Always on.
Know your score, see why you were rejected, and get a plan to improve — from ₹99.
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