Discussion Share Your Credit Cards Portfolio

  • Thread starter Thread starter Abhinav
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Anup Tiwari said:
I have
1 SBI SIMPLY SAVE CARD - 45000
2 SBI BPCL CARD -102000 rupay card
3 KOTAK LEAGUE premium card - 1,00,000
4 BOB EASY CARD- 104000 rupay card
5 RBL BAJAJ SUPER premium card -70000
6 ICICI Amezon pay card 1,20,000
7 axis flipkart card - 70000
All card life time free
I am thinking some card should close.
I use mainly axis flipkart and icici amazon pay for bills recharges and grocery .
Click to expand...
Now credit limit increased some card
1 SBI SIMPLY SAVE CARD - 45000
2 SBI BPCL CARD -102000 rupay card new limit 1,43,000
3 KOTAK LEAGUE premium card - 1,00,000 now 1,20,000
4 BOB EASY CARD- 104000 rupay card
5 RBL BAJAJ SUPER premium card -70000 now 105,000
6 ICICI Amezon pay card 1,20,000 now one coral credit card combined limit 1,20,000
7 axis flipkart card - 70000
 

My Credit Cards 💳 Portfolio​

Axis Bank:​

  • Flipkart Axis Bank credit card
  • Axis Bank Ace credit card
  • Airtel Axis Bank credit card

ICICI Bank:​

  • ICICI Bank Platinum chip credit card
  • Amazon Pay ICICI Bank credit card
  • ICICI Bank Coral RuPay credit card
📌 All Axis Bank cards are paid variants, while all ICICI Bank cards are LTF.
 
I have
HDFC rewards card
Kotak PVR Platinum
Axis Flipkart

Total limit around 6.5L

Does holding multiple credit cards and using only a few of them, while the others generate a ₹0 bill, negatively affect our credit score?
 
Ashwinp said:
Does holding multiple credit cards and using only a few of them, while the others generate a ₹0 bill, negatively affect our credit score?
Click to expand...
No it doesn't. The credit bureaus just calculate your total usage as a percentage of your aggregate credit limit from all your cards put together and based on that your score is impacted.
 
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