Credit utilization ratio (CUR) contributes roughly 30 percent to your overall credit score. Keeping your monthly usage below 30 percent of your total limit signals financial discipline. For instance, on a ₹1,00,000 limit, spending ₹25,000 per month and paying in full ensures lenders view you as low risk. Exceeding the 30 percent level regularly can reduce your score by 30 to 50 points over time. Maintaining a low CUR not only safeguards your score but also improves approval chances for future loans.