Small credit habits can have a lasting effect on your credit profile. Here are seven common mistakes to avoid.

1. Missing or delaying EMI and credit card payments

2. Using most of your available credit limit

3. Submitting many loan or card applications quickly

4. Closing an old account without considering its credit history

5. Ignoring errors in your credit report

6. Co-signing or guaranteeing credit without monitoring repayment

7. Paying only the minimum amount repeatedly

If you recognise one of these patterns, do not panic. Start with on-time payments, reduce outstanding balances where possible, and review your report for issues that can be corrected.

Responsible credit management is built through consistent actions rather than quick fixes.