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Credit card limit ₹3 lakh, usage ₹50,000: How unused credit can help your credit score and finances

1 hour ago 1
A ₹3 lakh credit card limit with ₹50,000 usage keeps credit utilisation at about 16.7%. An expert explains how low utilisation can support your credit profile, provide an emergency cushion, and encourage disciplined borrowing and repayment.
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