CHENNAI: As high as 92% of Indian credit card holders pay more than their minimum monthly dues, compared to 88% Canadians, 89% Americans and 44% South Africans, said a survey by credit information agency CIBIL. Also, Indians seem more aware of the penalties that come with nonpayment of credit card dues, as the CIBIL survey showed nine out of 10 credit card users were aware that delay or non-payment on credit card bills negatively impacts their credit score and report.When it came to awareness on credit card billing metrics, about 33% Indians were uncertain about the importance or benefits of paying more than the minimum due. This compares to 39% Canadians who were uncertain, 25% Americans and 21% South Africans.“Our analysis suggests consumers who pay more than their minimum due on credit cards are less likely to go delinquent,“ said Harshala Chandorkar, COO, TransUnion CIBIL, which ran this survey across eight metro cities with 1,100 consumers in India.Among the eight metros surveyed, Delhiites use credit cards the most; roughly 93% of re spondents use their credit card for online and offline retail shopping. Delhiites also had higher awareness (81%) compared to other cities on the negative impact of a settlement.The survey found credit card usage higher in cities like Delhi, Ahmedabad, Pune and Mumbai compared to Kolkata, Bengaluru, Hyderabad and Chennai. But in a positive, about 78% of respondents usually pay off the full balance.When it came to financial literacy, about 90% of respondents knew that non-payment would affect their credit history and scores, which would in turn affect their borrowing capability .CIBIL survey showed respondents in Kolkata and Chennai had maximum 95% awareness and zero uncertainty, when it came to credit card usage.“How each of the data points interact with others gives further insights into credit behaviour. For example, while a traditional CIBIL report may tell you a consumer has Rs 30,000 in credit card debt, one using trended data would show you whether they have built up or paid down that balance over time,“ said Chandorkar, while explaining why trended data would better equip banks as it gives data over a 36-month period.