Pay all EMIs and credit card bills on time
Clear overdue amounts immediately
Keep credit card utilization below 30%
Avoid applying for multiple loans or cards at once
Check your credit report for errors and dispute them
Close only unnecessary credit accounts, not old good accounts
Maintain a healthy mix of secured and unsecured credit
Keep old credit accounts active if possible
Avoid cash advances on credit cards
Pay more than the minimum due whenever possible
Reduce outstanding debt as quickly as possible
Set up auto-debit for payments
Do not miss any due dates
Limit new credit inquiries
Use a small credit limit responsibly
Review your CIBIL report regularly