Maintaining a credit score of 750+ requires consistent and responsible financial behaviour. Here are key strategies to help you maintain a high score:

1. Pay Bills on Time (35% of score)

• Set up automatic payments for credit cards, loans, and utility bills to avoid late payments.
• Even one missed payment can significantly drop your score, so consistency is critical.

2. Keep Credit Utilization Below 30% (30% of score)

• Your credit utilization ratio = (Total credit card balances ÷ Total credit limit) × 100
• Aim to keep your utilization below 30% — ideally under 10% for maximum score improvement.
• Example: If you have a total credit limit of ₹1,00,000, keep your balance below ₹30,000.

3. Maintain a Long Credit History (15% of score)

• Keep older credit accounts open, even if you don’t use them often — the length of your credit history improves your score.
• Avoid closing old accounts unless there’s a strong reason (like high fees).

4. Maintain a Healthy Credit Mix (10% of score)

• Having a mix of different types of credit — such as a credit card, personal loan, and home loan — reflects well on your profile.
• A balanced credit profile shows you can handle different types of debt responsibly.

5. Limit Hard Inquiries (10% of score)

• Avoid applying for multiple credit cards or loans within a short period — each hard inquiry can lower your score.
• If you need to shop for a loan, do so within a short window (14–30 days) to minimize the impact.

6. Monitor Your Credit Report Regularly

• Check your credit report (from CIBIL, Experian, Equifax) at least once every 3–6 months for errors or inaccuracies.
• Dispute any incorrect information immediately to avoid unnecessary score drops.

7. Keep Debt Under Control

• Avoid carrying large balances on credit cards from month to month — paying the full balance is ideal.
• If you have multiple loans, consider consolidating them to simplify payments and reduce interest rates.

Example of Healthy Credit Behavior:

• Credit limit = ₹1,00,000
• Credit card balance = ₹7,000 → Utilization = 7% (Good)
• No missed payments → Payment history is clean
• Oldest credit card = 10 years → Long credit history
• Holding a mix of loans (credit card + personal loan + home loan) → Balanced credit mix
• No recent loan applications → No hard inquiries

Key Takeaways:

1. Pay on time — consistency matters
2. Keep utilization low — ideally below 10%
3. Maintain older accounts to increase credit age
4. Diversify credit types
5. Minimize new credit applications

Following these steps consistently will help you maintain a solid score of 750+ and improve your financial health.