https://www.desidime.com/discussions/not-using-your-credit-card-reduces-credit-score?page=1#post_9154742
The idea there is, if you do not have any due amount, then its not reported to cibil or experian, and then it doesn't count as one of the timely payment because you paid nothing. It doesn't reduce your score, but having 100 rs due and then paid increases it
The idea there is, if you do not have any due amount, then its not reported to cibil or experian, and then it doesn't count as one of the timely payment because you paid nothing. It doesn't reduce your score, but having 100 rs due and then paid increases it
Nope ... Just make sure u do a small trn once in 3 months .