New Delhi, April 9 -- If you have recently started using a credit card, you must be aware that it has a fixed credit limit and you are not supposed to spend beyond this.

Although the limit is typically generous, it is recommended not to exhaust all of it for the sake of a healthy credit score. Those users who exhaust their entire limit do not realise that it causes an adverse impact on their credit score.

The ratio of credit utilised divided by total credit limit is referred to as credit utilisation ratio (CUR). Lower the ratio, the better it is for credit score, and higher the ratio, worse it is for your credit score.

For instance, if your credit card's limit is Rs.10 lakh and you spend Rs.7 lakh, then your credit utilisation ratio (C...