Maintaining a high credit utilisation ratio: A credit utilisation ratio is the percentage of the credit limit which is used by you at a given point of time. You should always maintain a low credit utilisation ratio if you want to improve your CIBIL score. This essentially means you should not max out your credit card limit and limit your usage. Several financial experts suggest that consumers should use only 30% of their total credit card limit. Your credit exposure accounts for 30% of your CIBIL score. If you have a high credit utilisation ratio, it will automatically bring your credit score down. Using the entire credit card limit indicates that you are not able to pay your bills on time and are unable to handle credit.