Does a credit card EMI affect my CIBIL score?

Credit card EMIs do not directly lower your CIBIL score, but how you manage them is crucial. Timely repayment of EMI installments positively impacts your credit history and helps maintain a healthy score. However, missing a payment can significantly damage it. Additionally, an EMI blocks a portion of your credit limit, which may increase your credit utilization ratio. If this ratio exceeds 30%, it could temporarily lower your score. Responsible management and punctual payments are key to ensuring a positive impact on your credit profile.