[noob question]How will it impact me?
Currently, hdfc reports only the highest utilisation. So let's say you spend 30k highest on your card. Now even though you might have 3-4L limit, the utilisation will be calculated on the highest spent on your card(I.e. 30k in this case). So let's assume you used 15k in the following month, even though it's less than 10% of your credit, your credit utilisation will be calculated as 50%(15k of 30k). This will make you look credit hungry and score will decrease. If they start giving the total limit,it will help increase your credit score