Bimal I think u r the one who is giving wrong info here for other nepalese. so dude think before u give n.e. such kinda infos here. coz if u reach close to the card's limit, it does affect ur score. Here are few sources to verify it. http://money.cnn.com/2005/09/21/pf/debt/credit_scores/index.htm http://money.aol.com/smoney/credit/canvas3/_a/7-ways-to-boost-your-credit-score/20051103145609990001 http://www.myfico.com/CreditEducation/ImproveYourScore.aspx http://money.howstuffworks.com/credit-report3.htm