Hi, I've a credit card with credit limit 2 times of my monthly salary. However, I help my company to pay utility bill every month and each month almost hit credit limit but I pay my credit card on time and some times due to credit limit, I pay portion of the outstanding before statement date so that I can pay more bills. May I know how it will affect my CCRIS? positive or negatively affect?
BTW I start using this credit card since last year June and my "spending" and payment trend is like the above situation for every month till now.