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Nine Credit Card Habits That Can Improve Your CIBIL Score
A credit card can help build a good CIBIL score when it is used carefully.
The most important habit is paying the entire bill on time every month.
It is also helpful to keep the amount used below 30% of the card’s limit.
If you spend more, you can pay part of the bill before the statement is made.
Keeping an old card open can preserve your credit history.
Applying for many new cards quickly may lower your score.
Checking your credit report can help you find mistakes.
The article says that steady good habits may improve a score within three to six months.
Pay the full credit card bill by its due date, preferably through AutoPay.
Keep the balance reported at statement generation below 30% of the total credit limit.
Mid-cycle payments, higher limits and spreading spending across cards can reduce utilisation.
Keep older cards open, space out new applications and maintain a mix of revolving and instalment credit.
Check credit reports regularly for errors; the article says improvement may appear within three to six months.
- Who
- Credit card users, lenders and credit bureaus, including TransUnion CIBIL, Experian, Equifax and CRIF High Mark.
- What
- The article explains nine credit card habits intended to improve or protect a consumer’s CIBIL score.
- Where
- India, including credit reporting by Indian lenders and the Reserve Bank of India’s rules.
- When
- The guidance is presented as current to September 2026; the article says RBI data updates occur every 15 days from January 2025.
- Why
- Full, timely payments and low credit utilisation can strengthen payment history and reduce the proportion of available credit being used.
Key facts
- CIBIL score range
- Scores range from 300 to 900.
- Generally good score
- A score of 750 or above is generally treated as good by Indian lenders, according to the article.
- Recommended utilisation
- Keep the reported balance below 30% of the total credit limit.
- Payment approach
- Pay the total amount due by the due date; paying only the minimum allows interest to accrue on the remaining balance.
- Credit reporting frequency
- The article says RBI rules require lenders to update credit data every 15 days from January 2025.
- Expected improvement
- The article says many people see visible improvement within three to six months of consistent on-time payments and low utilisation.
- Free reports
- The article says each bureau must provide one free full credit report per year.
Sources
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