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Ask CreditSmart: Does A Non-Reported Credit Limit Affect CIBIL Score?

Ask CreditSmart Improving India's Credit EverydayDear CreditSmart,

In my cibil report, the total credit limit for some of the credit cards are left blank, however, the highest used credit is reported for that card,

Whether Non-availability of total credit limit for some credit cards will have a negative impact?
How does it affect?

I also want to point out that I have a very good cibil score.



Hello Anuj!

Now this is a great question, and the short answer is YES. If a credit card is not reporting your credit card limit to CIBIL, then it does impact your credit score negatively. Now let me clarify…it doesn’t hurt your score necessarily, however your score would in fact be higher if the credit limit was reported. This is because without credit limit information, your credit utilization ratio will not be fully accurate. Credit utilization ratio accounts for about 30% of your CIBIL score. Many times American Express and other “charge cards” have no defined limit but require payment in full each month, thus no limit is reported to CIBIL.

Furthermore, for best credit practice, one should not use more than 30% of their available credit. Not maxing out your accounts, or even coming close, shows responsibility with money. It appears you already have a great CIBIL score so you’ve been making the right choices.

There’s not much you can do if your card company is not reporting the limit. You could try calling them and asking why, but it may be a technical issue or the choice of the card issuer to not provide the data. This can be frustrating because if you have a high limit card, of course it’s in your best interest to have it reflected on your CIBIL report. Contact your card company as they’re in control here.

Thanks for the question Anuj!

And if any readers have a question just send it to!


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