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What is a Credit Score?
A 3-digit number (300–900) showing your repayment ability. The higher the score, the stronger your financial profile.
Start with a Student Credit Card
Use it for small purchases, pay bills in full, and build your first credit history responsibly.
Pay Bills on Time
Timely payments make up 35% of your score. Automate or set reminders to never miss a due date.
Keep Credit Utilization Low
Spend less than 30% of your credit limit. Example: On ₹10,000, keep usage below ₹3,000.
Keep Old Accounts Open
Longer credit history builds trust. Don’t close old cards even if you don’t use them often.
Check Credit Reports Regularly
Track your progress, spot errors, and fix them quickly to avoid damage to your score.
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