Credit 2025 RBI Guidelines - CIBIL Credit reporting will be done twice a month (Solution: so be proactive by prepaying in 14 days)
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Hello Dimers
Paying before statement date won't bring down utilization ratio down from 2025
from Jan 2025
1) credit score will be updated in all the 4 credit agencies every 15 days
a) paying off loan will boost your credit score
b) Utilization affected differently now for credit utilization in credit card, (paying credit card before statement date to keep utilization high trick won't work anymore) as it will be done on mid-month 15 and end of month 30th or 31st
Solution:
pay before 15th of every month i.e 14th of every month make the payment
(as well as 29th of every month) - do payment twice
Refer:
RBI’s new credit reporting rules: What borrowers and lenders need to know
Dont forget to comment your opinion in the comment section below, lets have a constructive efficent discussion on how to make this beneficial for us as credit consumers:)
Voice your opinion:) as comments
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It leads to planting new seeds in the mind of credit card users.
T: what the hell is this 
jinka overall limit kam hoga unko effect karega. baaki jinka limit sahi hai uske liye kuch nahi 😔
Limit Used In A Month Still Exist. Card Limit 58k , Last Month Used 44540rs , 27379rs Paid On 29th Oct , Outstanding 17161rs, Cibil Reported On 31st Oct
But Utilisation Ratio Reported Based On Current Balance
Ya High credit is always there:) its not considered in utlization ratio so nothing much to worry about (for CIBIL calculations not sure about other 3 credit agences though)
but for utilization ratio calculation current balance is the one that is taken in the summation:)
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Motto of credit card OVER USERS: Now use credit card like paylater 15 days credit limit lol