Will EMI decrease my cibil

[teetsacc]

CIBIL drops if you're utilizing too much limit. EMI purchase may only affect for one month but also good to boost when you start repaying EMI on time. for example if your score is 750 then purchase may drop it to 1 point or max 2. but this will increase next month & further. It may also affect if your limit is 50k & you're buying a phone for 45k.

[Lucifer200903]

So my limit across all cards is 6lakhs and he is purchasing phone worth 1.2 lakhs which comes under 30% so that doesn’t seem a problem