A good credit score isn’t just about making payments — it’s about smart, consistent habits. These six strategies can help you build and maintain a strong credit profile, especially if you’re using credit cards.

1. Don’t Let Any Bill Go Unpaid

One of the simplest but most important rules: pay all your bills on time. Late or missed payments — even by a day — can harm your score. That includes credit card bills and loan EMIs. By staying ahead of due dates, you protect your credit history from stains. mint

2. Always Pay in Full, Not Just the Minimum

Many users satisfy the minimum due thinking it’s enough. But only paying the minimum can hurt long-term: it results in interest on the remaining balance and signals to credit bureaus that you’re stretched. To maintain a high credit score, aim to clear the full statement balance each cycle. mint

3. Avoid Settling Dues at a Discount

When credit card bills grow, settling for less than what you owe might seem tempting. But it’s a risky move if you care about your credit score. Discounts or settlements are often viewed negatively by credit scoring models, since they imply financial distress. mint

4. Don’t Max Out Your Card

Using a very high proportion of your credit limit is a red flag. Your credit utilization ratio (how much you are using relative to your total limit) ideally should stay below 30%. Maxing out a card can drag your score down even if you pay on time. mint

Also, having a higher credit limit than what you generally need gives you breathing room and helps maintain a better ratio. mint

5. Keep Older Cards Open (If They’re Cost-Effective)

If you have a credit card you rarely use, it may be tempting to cancel it. But unless it has a steep annual fee or other disadvantages, keeping it open can help your credit. It contributes to your overall credit limit and helps you maintain a longer credit history — both good for your score. mint

6. Regularly Review Your Credit Report

Errors, fraud, or outdated information can drag down your score without your knowledge. Make it a habit to check your credit report periodically. If you spot inaccuracies or unauthorized accounts, dispute them promptly with the credit bureau. mint

Final Thoughts

Improving your credit score doesn’t require tricks — rather, consistent and deliberate habits. Paying on time, managing balances responsibly, avoiding settlements, maintaining older accounts, and checking your reports — together, these six hacks can go a long way.