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Yes, it affects your credit score.
Responded by:Responded on25th May 2015
If you are using more than 30% of your credit limit, your credit score starts suffering and gets lowered. Usage of less than 30%, with regular payments and limited transactions will lead to a decent credit score. Utilizing more than the authorized credit limit will signify that you are credit hungry and is likely to have a negative impact on your credit score.
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