New Delhi, June 6 -- Financial professionals and regulatory bodies have put in sincere efforts over the years to warn and caution Indian credit card holders against maxing out on their credit limits.

The focus has always been on highlighting the adverse implications of not using credit cards carefully. Improper use of credit cards has significantly influenced the credit scores and credit profiles of individuals.

Even the recent advisories from credit bureaus along with the Reserve Bank of India (RBI) underline the importance of maintaining a proper credit utilisation ratio to primarily ensure long term financial stability and a clean credit profile for lenders to consider giving future loans and credit facilities on easier terms and con...