1. Pay Your Bills on Time

Your payment history is the single biggest factor in your credit score. Always pay at least the minimum due before the deadline. Even one late payment can hurt your score and add extra charges. A simple trick is to set up auto-pay or reminders on your phone.

2. Keep Your Balance Low

Just because you have a ₹1,00,000 limit doesn’t mean you should spend it all. Try to use less than 30% of your available credit. For example, if your limit is ₹50,000, keep your balance under ₹15,000. This shows lenders that you can manage credit responsibly.

3. Pay More Than the Minimum

The minimum payment keeps your account active, but it won’t save you from high interest. Whenever possible, pay your full balance. If that’s not possible, pay more than the minimum to reduce interest charges and clear debt faster.

4. Don’t Apply for Too Many Cards at Once

Every time you apply for a new card, the bank checks your credit report. Too many applications in a short time can lower your score. Choose cards wisely—look for benefits like cashback, rewards, or lifetime free options that match your lifestyle.

5. Use Rewards, But Don’t Overspend

Cashback and reward points are great, but they’re not worth it if you’re overspending just to earn them. Treat rewards as a bonus, not a reason to swipe more.

6. Review Your Statements Regularly

Check your monthly statement for errors or suspicious charges. Reporting fraud early protects your money and keeps your credit safe.