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8h agoBuilding Credit History Without Carrying Debt Using Zero Balance Strategy
Using your credit card only for small predictable recurring spends such as OTT or broadband and paying the bill in full before the statement date reports utilisation close to zero.
Since CUR impacts nearly 30% of your credit score, consistently reporting 0%-10% utilisation can lift and maintain a score above 770+ in less than 9 months.
This method builds monthly positive repayment cycles without interest risk, avoids emotional impulse spend and establishes score growth without carrying expensive revolving balances.
Discvr• By Sneha Pathak
Explore:Mutual Fund Screening
neutral
8h agoBuilding Credit History Without Carrying Debt Using Zero Balance Strategy
Using your credit card only for small predictable recurring spends such as OTT or broadband and paying the bill in full before the statement date reports utilisation close to zero.
Since CUR impacts nearly 30% of your credit score, consistently reporting 0%-10% utilisation can lift and maintain a score above 770+ in less than 9 months.
This method builds monthly positive repayment cycles without interest risk, avoids emotional impulse spend and establishes score growth without carrying expensive revolving balances.
Discvr• By Sneha Pathak
Explore:Mutual Fund AI Screening
about 9 hours ago
1 min read
77 words
Use small monthly recurring payments and pay them before statement to report near zero utilisation.
Using your credit card only for small predictable recurring spends such as OTT or broadband and paying the bill in full before the statement date reports utilisation close to zero.
Since CUR impacts nearly 30% of your credit score, consistently reporting 0%-10% utilisation can lift and maintain a score above 770+ in less than 9 months.
This method builds monthly positive repayment cycles without interest risk, avoids emotional impulse spend and establishes score growth without carrying expensive revolving balances.
Using your credit card only for small predictable recurring spends such as OTT or broadband and paying the bill in full before the statement date reports utilisation close to zero.
Since CUR impacts nearly 30% of your credit score, consistently reporting 0%-10% utilisation can lift and maintain a score above 770+ in less than 9 months.
This method builds monthly positive repayment cycles without interest risk, avoids emotional impulse spend and establishes score growth without carrying expensive revolving balances.
Companies:
TransUnion CIBIL
Tags:
credit score
zero balance
credit score
zero balance
credit utilisation
personal finance
Nov 8, 2025 • 09:51 IST