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How is Credit Card Health calculated?

Your Average Monthly Credit Card Spends is divided by your Average Monthly Income to calculate your Credit Card Spend Ratio. This and your payment behavior is then compared with that of People like you to give you a final rank:

  1. Average Monthly Credit Card Spends: This is the average monthly credit card spend made from your ICICI Bank credit cards.
  2. Average Monthly Income: This is the average monthly credit transactions in your ICICI Bank account. Any significantly large value transaction is removed to smoothen the data.