1. Paying only the minimum due
The minimum due avoids a late fee, but interest is charged on everything else, and it adds up fast. Always pay the total due.
2. Using the whole limit
Even if you repay, using most of your limit every month signals risk. Keep spending under about 30%.
3. Missing a due date
One late payment can stay on your report for a long time. Set up autopay for the full amount.
4. Applying for many cards at once
Each application adds an enquiry. Several in a short time lower your score and look desperate to lenders.
5. Sharing card details
Never share your card number, CVV or OTP, even with friends or someone claiming to be from the bank.
A simple routine that avoids all five
- Autopay for the total due
- One or two small spends a month
- Check the bill when it arrives
- Check your score every few months
Follow the full CIBIL plan for students.
Frequently asked questions
What happens if I pay only the minimum due?
You avoid a late fee, but interest is charged on the rest, and high balances can hurt your score.
Is it bad to use the whole limit if I pay it back?
High usage can still lower your score. Keep it under about 30% of the limit.
Keep reading
Student Card Without CIBILFor students with no credit historyStudent Credit Card vs Add-on Card on a Parent's AccountWhich one actually builds your own credit score?How to Build a CIBIL Score as a Student (Step by Step)Six steps to go from no score to a strong one while you study.CIBIL Score -1 or NH: What It Means for StudentsWhy most students see -1 or NH, and how to change it.