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How high credit card utilization affects your score: a quick guide
Mint Bangalore
|November 20, 2025
I had a ₹1 lakh credit card bill but repaid ₹40,000; ₹60.000 is due. Will it hurt my credit score? Can I take a personal loan to clear it? Will it affect my score and future loan applications? - Name withheld on request
Carrying a ₹60,000 outstanding credit card balance can affect your credit score, mainly through credit utilization and repayment behaviour. With a ₹1 lakh limit, your credit utilization ratio is about 60%, while lenders prefer it below 30-40%. Staying at a high CUR can drag down your score, as it signals greater reliance on credit and lower financial flexibility. If ₹60,000 is a large share of your limit, the negative impact becomes more pronounced.
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