Timely payments make up the biggest part of your credit score. Even a single late payment can drag your score down by 50-100 points. Set reminders or use auto-pay to ensure credit card bills, EMIs, and utility payments are cleared before the due date. Maintaining a record of on-time payments across all accounts signals financial discipline to lenders.

Keep credit utilisation low

Credit utilisation—the percentage of your total limit you actually use—should ideally stay below 30 percent. If your card limit is Rs 1 lakh, try to keep monthly spends under Rs 30,000. High utilisation suggests you’re dependent on credit, which can make lenders wary. Paying off dues multiple times a month or requesting a higher credit limit can help keep utilisation low without cutting spending.

Avoid too many

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