Discussion Easiest Way to Build Good Credit Score

[IndiaN]

Please suggest easiest way to build credit score for those who don't have any credit history
Fully digital method is preferable
Credit Limit may be as low as ₹100
All apps which I know requires credit check

 

[Abhi]

Please suggest easiest way to build credit score for those who don't have any credit history
Fully digital method is preferable
Credit Limit may be as low as ₹100
All apps which I know requires credit check

Just always pay ur bills always on time and never miss any payments. This is the simplest way. I guess you are already using credit cards but still u don't have a good credit score??

 

[IndiaN]

Just always pay ur bills always on time and never miss any payments. This is the simplest way. I guess you are already using credit cards but still u don't have a good credit score??

Mine is 771 this month
I am asking about my friend who don't have any loan account/card

 

[ROHITrj07]

Just got Supercard some time back. I just saw that here are many people who have many cards and using them for long time I needed some guidance here This is my first credit card after first bill payment my credit score is generated 781 is it good I think I need to use it for atleast 1 year to get unsecured cards I am currently having bank account only in BOB will I get pre approved card offers there or I should get an new bank account and I am using only below 40% of my limit is it okay or I should use below 30% limit and lastly how do I get unsecured cards without getting rejections time is no issue for me.

 

[Esmail]

Just got Supercard some time back. I just saw that here are many people who have many cards and using them for long time I needed some guidance here This is my first credit card after first bill payment my credit score is generated 781 is it good I think I need to use it for atleast 1 year to get unsecured cards I am currently having bank account only in BOB will I get pre approved card offers there or I should get an new bank account and I am using only below 40% of my limit is it okay or I should use below 30% limit and lastly how do I get unsecured cards without getting rejections time is no issue for me.

Just use your CC sparingly for the initial 6 months, try and use under 20% of your credit limit and pay back the complete amount due before the due date. Slowly your score will increase then get a few more CCs but apply for only 1 per 6 months.

 

[Prithi Deb]

get a few more CCs but apply for only 1 per 6 months.

I got 3 in one month.

 

[Esmail]

I got 3 in one month.

They get approved that's not an issue but the credit agencies see that as credit hungry behaviour and downgrade the score. I was giving tips on how to maintain a healthy credit score.