How do i earn credits?

[rajat]

I’m trying to improve my credit profile. How do I earn credits or build a good credit history over time? Any beginner-friendly tips would be helpful.

 

[Shenna]

To build a good credit history:

• Pay bills on time (most important factor)
• Use a credit card regularly but keep usage low (under 30%)
• Don’t miss EMIs or payments
• Keep old accounts open to build history
• Avoid applying for too many loans/cards at once

 

[Jonycooper]

One way of getting credit card credits is by using your card for everyday purchases and through reward schemes. When you make a purchase with your card, you will generally get cashback, reward points or travel miles. Typical opportunities for spending include grocery shopping, buying fuel, paying bills, and online shopping. The fact is that you can increase your earnings even further by paying your utility bills, booking your flights, and dining at partner merchants. Besides, some cards offer a welcome bonus and extra rewards during promotional periods. Always try to pay your bill on time and use the card regularly to get the most from it. On the other hand, try not to use ATM for cash withdrawals and do not overspend as they may undermine the value in the form of fees and interest charges. Points can be redeemed for cashback, vouchers or travel rewards.

 

[Stacy]

You can earn credits by completing tasks, making purchases, referring friends, or participating in promotions offered by the platform. Some services also reward consistent usage, achievements, or contributions, so regularly engaging and checking available opportunities helps maximize your credit earnings.