Credit Health · हिन्दी

Credit limit

Your credit limit is the maximum amount you can spend on a credit card before needing to make a payment. It is set by the issuer based on your income, credit score, existing debt obligations, and repayment history, and can be increased over time as you demonstrate responsible usage, either automatically or by requesting a review. Staying well within your credit limit (ideally under 30% utilisation) is one of the more important habits for maintaining a healthy credit score.

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