New Delhi, Sept. 18 -- When you use a large portion of your credit card limit in a single month, it may not automatically result in damaging your credit profile. Especially when the bill is paid in full within the stipulated time.

However, if you consistently maintain a very high credit utilization ratio, it can raise concerns for lenders and may even affect your credit score and future borrowing prospects, as you might be seen as a 'credit-dependent' person.

Credit utilization refers to the percentage of an individual's total available credit that they are using at a particular time. For example, using Rs.90,000 against a Rs.1 lakh credit card limit means 90% utilization.

Borrowers are advised to keep their credit utilization ratio be...