5 essential habits to keep your credit profile healthy

Your credit profile influences the loan options available to you. Building good habits early makes it easier to access credit when you need it.

Five habits worth building

Pay EMIs and card bills on time. Keep your credit utilisation reasonable. Avoid applying for many loans in a short period. Review your credit report regularly for errors. Borrow only what you can comfortably repay.

“Consistency matters more than any single action.”

Lenders decide eligibility using their own criteria, so a healthy profile improves your chances but does not guarantee approval.