Need help to maintain good cibil

Help Needed/ Question

To cut to the chase, I currently have four credit cards: ICICI Rubyx, SBI Elite (both from the alumni programme), one DCP and one Axis Select from my salary account. I don’t use them much because I’m a low spender on credit cards. I just got them because they were all offered LTF for me, so I went on a bit of a hunt and grabbed them all. Now, I’m a bit worried about my CIBIL score because I don’t use the cards much, and I’m wondering if it will affect it. I’m also concerned about my CIBIL score going down if I stop using all the cards, since I can’t spend on all of them equally. Should I close one of them? I would really appreciate some suggestions and guidance.

Age 23

Cibil 780+

Basic spender with 30k per month out which mostly paid by upi (as can't be paid by credit cards otherwise will use this opportunity)

Posted Apr 28, 2026, 7:06 PM UTC

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