does emi on credit card affect cibil score

Credit card EMI itself does not directly impact your CIBIL Score; however, how you manage the EMI significantly affects it. Timely repayment of your monthly EMI installments will positively contribute to your credit history and help maintain a healthy score. Conversely, any missed or delayed payments will negatively impact your score. Furthermore, converting a large purchase to EMI can temporarily block a portion of your credit limit, which might increase your Credit Utilisation Ratio and potentially lower your score if it exceeds the recommended 30%.