Due Date pe Credit Card Bill Bharna Galat hai! #oolka #creditworthy #creditcard

Most people pay their credit card bill on the due date and wonder why their credit score barely moves. Here’s the fix that actually works:

What to do

Pay your full bill before the statement is generated.
This lowers the reported credit utilization, which credit bureaus reward.

Keep Credit Utilization Ratio (CUR) below 30% (ideally 10–20%).

Never rely on “Minimum Due.” It prevents late fees but doesn’t help your score.

Why it works

Bureaus see financial discipline, not last-minute payments.

Lower reported utilization = faster score improvement.

Pro tips

Make a mid-cycle payment if you’ve spent more than usual.

Set alerts/autopay for full balance, not minimum due.

Need step-by-step guidance to reach 800+ CIBIL?
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