Credit Score Guide #93: 5 Habits That Secretly Kill Your CIBIL Score Without You Realizing

 

Think You’re Managing Credit Well? 

These 5 Hidden Mistakes Might Be Damaging Your Score

You may pay on time — but still have a low score. Why? These lesser-known habits silently destroy your credit health.

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☠️ Habit #1: Paying Minimum Due on Credit Card

Banks love this — but your score doesn’t. Interest keeps piling, and your credit utilization remains high.

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🚫 Habit #2: Too Many BNPL (Buy Now Pay Later) Accounts

They seem harmless, but credit bureaus treat them as active loans — and frequent usage = risky profile.

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🛑 Habit #3: Frequently Checking Your Score from Loan Apps

Apps that do hard inquiries hurt your score. Use trusted platforms like OneScore or CIBIL website.

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❌ Habit #4: Closing Old Credit Cards

Length of credit history matters. Keep old cards active (with small monthly usage and full repayment).

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📉 Habit #5: Not Having Any Credit Mix

Only having loans or only credit cards shows lack of depth. Mix = better trust.

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✅ Conclusion

CIBIL score = 90% habits, 10% history. Fix these small errors and your credit health will shine.

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